ANSA Student Insurance wording of 0105 2013.pdf

8/10/2019 ANSA Student Insurance wording of 0105 2013.pdf

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AIG Europe Limited | Fridtjof Nansens plass 4 | Postboks 1588 Vika | NO-0118 Oslo | Telefon: + 47 22 00 20 20 | Telefax: + 47 22 00 20 21 | www.aig.no.Org. nr. 998 754 194. Norsk filial av forsikringsselskapet AIG Europe Limited. Registrert i England og Wales under organisasjonsnummer 01486260.

The AIG Building, 58 Fenchurch Street, London EC3M 4AB, United Kingdom

Policy WordingAH-514 ANSA Student Insurance

Valid from: 01.05.2013Policy Number: 104-8595


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AIG, AH-514 | ANSA Student Insurance

Contents

How To Report A Claim ....................................................... .................................................................... ........................................... 3

Summary coverage............................................... ............................................................ .................................................................. 4

1 GENERAL PROVISION ...................................................... ....................................................... ........................................................ 5

2 GENERAL DEFINITIONS .................................................... ........................................................ ....................................................... 5

3 WHO DOES THE INSURANCE COVER ....................................................... ....................................................... ................................... 6

4 WHERE AND WHEN THE INSURANCE IS VALID...................................................... ....................................................... ........................ 6

5 PERSONAL BELONGINGS &LUGGAGE ..................................................... ........................................................ .................................. 6

6 MEDICAL TRAVEL INSURANCE,ETC. ....................................................... ........................................................ .................................. 9

7 CANCELLATION INSURANCE ....................................................... ........................................................ ........................................... 12

8

TRAVEL DELAY INSURANCE ........................................................ ........................................................ ........................................... 14

9 ACCIDENT INSURANCE .................................................... ........................................................ ..................................................... 14

10 PERSONAL LIABILITY INSURANCE ................................................. ........................................................ .......................................... 16

11 LEGAL EXPENSES INSURANCE .................................................... ........................................................ ........................................... 17

12 EVACUATION INSURANCE ................................................ ........................................................ ..................................................... 18

13 HOME CONTENTS INSURANCE .................................................... ........................................................ ........................................... 18

14 GENERAL TERMS AND CONDITIONS (ANSA) .......................................................... ............................................................ ............. 21

15 INFORMATION CONCERNING FILING CLAIMS ....................................................... ........................................................ ...................... 24

16 ASSISTANCE WITH COMPLAINTS .................................................. ........................................................ .......................................... 25

Page 2 of 25ANSA Student Insurance of 0105 2013


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How to report a claim

When an event occurs, it should be reported to AIG as soon as possible.

A Claim Formcan be found at: www.aig.no

We use the following Claim Form

Cancellation Luggage Sickness/accident Delay Accident

To enable us to deal with your claim fast and efficiently, it is important that:

The claim form is filled in with the exact details The documentation asked for on the claim form is attached

Remember to keep a copy of what you send to the company.

If you have any questions, please contact us at:

E-mail: [email protected]

Tel. no. +47 22 00 20 80 (24/7)Fax. +47 22 00 20 81

Address: AIGv/ SkadeavdelingenPostboks 1588 Vika0118 OsloNorway

Medical assistance

If immediate medical assistance is required, SOS International can be contacted on:

Tel. No. +45 38 48 92 50 (24/7)From the USA +1 866 208 0045

Crisis management (only for business travel)If you need assistance in connection with kidnapping, hi-jacking or any similar situation, please call the following crisismanagement centre:001-817-826-7000 (24 hour service)

Red 24The insured will be allowed access to national information and alerts if any from red24.Information about different countries can be found on the Internet at: www.red24.com

http://www.aig.no/http://www.aig.no/mailto:[email protected]://www.red24.com/http://www.red24.com/mailto:[email protected]://www.aig.no/


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Summary coverage

This is our standard cover, and any departures from it will be stated in the insurance certificate.

Cover Sum insured per person,NOK

Deductible Paragraph inTerms &

Conditions

Personal belongings & lu ggage 20,000 500/2000 for computers 5

- Cash 3,000 5.3.1

- Travel documents 10,000 5.3.2

- Valuables (pr category) 15,000 500 5.3.3

- Bicycles 5,000 500 5.3.3

- Single items 15,000 5.3.4

- Cell phones Supplementary covers 4.000 500 5.3.5- Bicycles Supplementary covers 15.000 500 5.3.6

- Valuables Supplementary covers 25.000 500 5.3.7

- Theft from motor vehicle 5,000 5.3.8

- Delayed luggage holiday/country of study 2,000/500 5.4.8

Medical travel insurance 6

- Medical expenses in country of study Unlimited 6.3.1

- Dental treatment 1,000 6.3.1

- Interruption of studies 80,000 6.3.3

- Repatriation Unlimited 6.7

- Companion while sick/Summons abroad Unlimited 6.8

- Summons Home Unlimited/10,000 6.9

Cancellation insurance 15,000 500 7

Travel delay insurance 5,000 8

Acc iden t in sur ance 9

Death 50,000 9.1

Permanent m edical disablement 500,000 9.2.3

Medical treatment expenses 25,000 500 9.2.4

Personal liability insurance 6,000,000 3,000 10

Legal expenses insurance 80,000 20% - minimum 3,000 11

Evacuation insurance 25,000 12

Home contents insurance 100,000 3,000 13


PLEASE NOTE THAT THE FOLLOWING IS AN ENGLISH TRANSLATION OF THE

NORWEGIAN POLICY CONDITIONS IN FULL. IN CASE OF A CLAIM, THE NORWEGIAN

WORDING SHALL PREVAIL.


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Page 5 of 25


ANSA Student Insurance of 0105 2013

1 GENERAL PROVISION

The Certificate of Insurance, General Terms andConditions and Norwegian Insurance Contracts Act No. 69of 16 June 1989 apply in addition to these terms andconditions.

The insurance policy consists of: Certificate of Insurance The Terms and Conditions of Insurance Norwegian Insurance Contracts Act of 16 June

1989 Other statutes

The text contained in the Insurance Certificate takesprecedence over that contained in the Terms and

Conditions of Insurance. The Insurance Certificate and theTerms and Conditions of Insurance take precedence overnon-mandatory statutory provisions.

Insurance cover is provided by AIG Europe Limited,Norwegian subsidiary of AIG Europe Limited.

AIG is hereafter referred to as the Company.

1.1 Safety regulationsThe insurance policy has safety regulations that areintended to prevent or mitigate loss/injury and they must becomplied with. The relevant safety regulations are set out

for each type of cover. Failure to comply with a safetyregulation may result in the reduction or cessation of theCompany's liability. Such a reservation cannot be enforcedif the insured is only slightly culpable or the insurance eventis not due to the failure to comply with the regulations.Even if the company can claim that a safety regulation wasnot complied with, it can still be held partially liable. Thesettlement must take account of the nature of the safetyregulation that was not complied with, the degree ofculpability, the sequence of events, whether the insuredwas in a state of self-inflicted intoxication and othercircumstances, see section 4-8 of the Insurance ContractsAct.

1.2 Intent and gross negligence

If the insured causes an insurance event with intent, theCompany will not be liable. If the insured caused theinsurance event or increased the scope of the loss throughgross negligence, the companys liability may be reducedor cease. The settlement must take account of the degreeof culpability, the sequence of events, whether the insuredwas in a state of self-inflicted intoxication, the effect thereduction or cessation of liability would have on theperson(s) entitled to claim under the insurance policy orother persons financially dependent on the insured, andother circumstances. The company cannot invoke the rulesif the insured or a person who must be equated with theinsured pursuant to section 4-11 of the Insurance ContractsAct is unable to understand the full consequences of his

actions owing to age or mental state, cf. sections 4-9, 13-8and 13-9 of the Insurance Contracts Act.

2 GENERAL DEFINITIONS

2.1Policyholder: The party who enters into an insurancecontract with the Company.

2.2Insured: The party or parties named in the Certificate ofInsurance who will be entitled to compensation or the suminsured under the insurance contract.

2.3Immediate family: Spouse/partner/civil partner, children,grandchildren, great-grandchildren, parents, grandparents,great-grandparents, siblings, brothers/sisters-in-law,parents-in-law and sons/daughters-in-law.

2.4Partner: A person living with the policyholder as husbandand wife at the same address according to the NationalPopulation Register.

2.5Sole travelling companion: A person who is on the sameparticipation document/ticket as the injured party or bookedthe journey together with the injured party with the intentionthat they should travel together.

2.6Checked baggage: Baggage that the insured entrusts tothe airline/ferry/train/coach company for transport when theinsured is travelling by the same means of transport.

2.7Valuables: Items that are costly or liable to be stolen,Examples: jewellery, watches, precious stones,photographic/video equipment, mobile phones, computerequipment, furs, art objects.

2.8Securities: Documents that have a legal financial marketvalue.

2.9Travelling on business: Travel on an employer's behalf.

2.10Evacuation: In accordance with the recommendations ofthe Norwegian authorities or the local authorities on theevacuation of Norwegian/foreign citizens

2.11Acute illness:This refers to an acute and unforeseen illness or an acuteand unforeseen deterioration in a known or chronic illness.

2.12Known illness: By known illness is meant an illness orcondition that the insured knew that he/she suffered from

before the date of departure.

2.13Additional expenses: Additional expenses mean expensesimposed upon the insured in connection with an insuranceevent /incident that is covered by this insurance. If the


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expenses would have been incurred regardless of theoccurrence of the event, these expenses will not beregarded as additional expenses, and are therefore notcovered.

2.14Travelling expenses: Reasonable extra expenses fortransport, but as a maximum expenses corresponding toprice of an economy fare on an ordinary scheduled flight.

2.15Travelling companion when ill: Person who is alreadystaying with the insured at the destination.

2.16Tooth damage caused by chewing: Tooth damage causedwhen eating, caused by chewing an unexpected hardforeign body in food.

3 WHO DOES THE INSURANCE COVER

The insurance covers the person who is namedin the insurance certificate and who is a member of ANSA,and also a member of the Norwegian National InsuranceScheme and has a student/scholar's card valid for thewhole of the policy period. For persons studying inScandinavia, it is sufficient to be a member of aScandinavian national insurance scheme.

It is a precondition for health insurance in the country ofstudy under point 4 of the Terms and Conditions that during

the student's stay abroad he/she has valid membership ofthe national insurance scheme (checked with theNorwegian Labour and Welfare Service international) andis entitled to extended benefit for health expenses abroad(apply to Norwegian Health Economics Administration/HELFO), unless otherwise agreed separately.

When study abroad is concluded, the insurance policycovers up to five weeks after the end of the study period,even if the student loses his/her right to extended benefitfor health expenses in the country of study.

4 WHERE AND WHEN THE INSURANCE IS VALID

The policy is effective for journeys worldwide subject to theduration and extensions/limitations specified in theCertificate of Insurance.

- During your stay at the place of study.

- For all holiday and leisure travel worldwide lastingup to 45 days counted from the permanentaddress at the place of study or the home addressin Norway in the population register. The durationof the journey is calculated from the day on whichthe insured leaves his home address in Norway orthe place of study, until he returns to the sameplace. It is a precondition that the insurance mustbe taken out to cover the entire duration of thejourney.

- The policy does not cover treatment given aftercoverage has ceased. (However, this does notapply to point 9.1 under accident cover.) Thisapplies regardless of the reason that cover hasceased.

- It is a precondition that the first premium must bepaid before departure from Norway, and at thelatest within the time stated in the payment terms.Later renewals must be paid within the timeallowed for payment.

5 PERSONAL BELONGINGS &LUGGAGE

The maximum compensation is NOK 20,000. The normal excessfor luggage under this cover is NOK 500.

There is a special deductible of NOK 2,000.- oncomputer equipment.

5.1The policy covers while travelling and staying worldwidefor up to 45 days, outside the permanent address in thecountry of study or Norway.

5.2 Safety regulations Safety regulations mean the rules of due care and attentionintended to prevent or limit loss and damage. Infringementof safety regulations may lead to a reduction of theCompany's liability or cause it to lapse completely. It is aprecondition for coverage that the following safetyregulations are observed by the insured:

5.2.1 the ensured must keep the items covered by thepolicy under supervision. This includes makingsure that you take all your property with you ondeparture.

5.2.2 when the insured items are left, the insured mustlock do ors and see that windows are closedand suitably secured to prevent unauthorisedpersons from entering motor vehicles, caravans,boats, cabins, apartments, hotel rooms or othertemporary accommodation (e.g. a tent).

5.2.3 with regard to money, the insured must either

carry it on or with him or lock it in a fixed safe orlocker in a building or a suitable locked placeof safe keeping in a locked room in a building.The key must not be accessible to unauthorisedpersons.

5.2.4 with regard to items mentioned inpoint 5.3 which are not in use, the insured mustkeep them responsibly locked up. The key mustnot be accessible to unauthorised persons. if alocked storage space is not available, theinsured must carry the items with him. Ifitems ofthis type are kept in a motorvehicle or caravan,they must be placed in a lockedglovecompartment or a locked boot/roof box, whichitmust not be possible to see into.

5.2.5 the insured items must not be left in avehicle/caravan/boat/tent overnight or a



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vehicle/caravan/boat/tent that will be left for morethan 24 hours. Night is defined as the periodbetween leaving the place of storage during theday and using it again the next day, and at allevents the period between midnight and 6 am.

5.2.6 the insured must see to it that the insured itemsare adequately and appropriately packed andsecured to withstand the type of handling andtransport in question.

5.2.7 The insured must observe the transporter'sregulations with regard to content, packing andlabelling.

5.2.8. The insured must not send money, jewellery,wristwatches, spectacles or sunglasses,precious stones, precious metals, cameras,

video and DVD equipment, sound playingequipment, electronic devices, fragile items orperishable goods packed in checked luggage.

5.3 What the insurance includes:Luggage means items of property whichthe insured carries for personal use during localtransport, staying overnight, travel, and staying awayfrom the permanent address in the land of study. Thepolicy is also valid within the place of study(school/campus) and when travelling away from thepermanent address in Norway. If the insured travelstogether with the means of transport, checked luggage isalso covered. This does not apply if the separation is only

due to the transporter's disposition.

5.3.1 Compensation for money will be paid up to NOK3,000 per insurance event. Compensation forCDs and DVDs will be paid up to NOK 2,500 perinsurance event.

5.3.2 Expenses arising from the loss of tickets,(travel documents) and passports will bereimbursed up to NOK 10,000 if the losscannot be made good in other ways.

5.3.3 For loss of or damage to the following itemscompensation will be paid up to NOK 15,000 pergroup (point under each letter) below perinsurance event.

If the supplementary covers is purchased:

a) antiques, art objects, carpetsb) fursc) musical instrumentsd) Weapons and sports equipment (including fishing/

skiing/snowboarding/ golf and diving equipment)Driving equipment for motor vehicles, such as forinstance driving suits, helmets, gloves and boots,see point. 5.5.1.

e) Jewellery, watch, pearls, precious stones,precious metals

f) Photo graphic /video/ and optical equipment,radio/TV, sound playing equipment, DVD/CDrecords, laptop/computer equipment, e-bookreader

g) For loss of or damage to a bicycle, compensation

will be paid up to NOK 5,000 per insurance event.

h) Compensation is limited to NOK 5,000 perinsurance event for theft from a motor vehicle, tentor bathing beach.

If the supplementary cover is purchased:

i) Mobile, telephone or smartphonei) Supplementary cover for bicyclei) Supplementary cover for valuables

5.3.4 For individual items not mentioned in point5.3.3 compensation up to NOK 15,000 will bepaid per insurance event.

5.3.5 A maximum compensation of NOK 4,000 perinsurance event will be paid for a mobiletelephone or smart phone. Optional extracover must have been paid for.

5.3.6 A maximum compensation of NOK 15,000 perinsurance event will be paid for a bicycle.Optional extra cover must have been paid for.

5.3.7 A maximum compensation of NOK 25,00 perinsurance event will be paid for valuables.Optional extra cover must have been paid for.

5.4 What is paid for the following losses ordamage:

5.4.1 Theft of luggage. Theft means the removalof property that the insured has in his/herpossession, see sections 257 and 258 ofthe Norwegian General Civil Penal Code.Property being mislaid/lost andsubsequently kept by the finder is notconsidered theft.

5.4.2 Robbery, see sections 266 and 267 of the GeneralCivil Penal Code.

5.4.3 Criminal damage, cf. sections 291 and 292 ofthe General Civil Penal Code, when this occursin connection with theft, robbery orburglary.

5.4.4 Loss or damage due to natural disasters. Lossor damage due to natural disasters meansdamage that is the direct result of naturaldisasters such as landslides storm surges,gales, floods, earthquakes or volcaniceruptions.

5.4.5 Traffic accident with a motor vehicle, boat,caravan or pedal cycle. Traffic accident meansf or instance collision, running downhill on a

public road, and loss due to grounding orcapsizing.

5.4.6 Fire, soot damage, direct lightning strike,explosion and penetration of a building by water



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or liquid. Fire means a fire that is out of control.

5.4.7 Loss or damage to personal luggage sent aschecked luggage.

5.4.8 Delayed luggage. When checked baggagearrives at the destination at least 4 hours late,and the delay is confirmed by the carrier(Property Irregularity Report/PIR) necessaryand documented additional expenses forclothes and toiletries purchased while theluggage was missing will be refunded. Onarrival at a holiday destination and first arrival atthe place of study, compensation of NOK 2,000will be paid. On a return or homeward journeyto Norway, or arrival at the place of study laterthan the first time, compensation of NOK 500will be paid.

5.5 ExceptionsThe policy does not cover:

5.5.1 Motor vehicles and caravans withaccessories. Accessories mean spare partsand permanently fitted equipment such asmusic systems, GPS, ski boxes and roofboxes. Meanwhile, driving equipment suchas driving suits, helmets, gloves and bootsare considered to be accessories when inuse or kept together with the vehicle.

5.5.2 Boats, sailboards and surfboards withaccessories.

5.5.3 Parachutes, kites, hang gliders/paragliderswith accessories.

5.5.4 Furniture and removal goods.

5.5.5 Goods and samples, tools andmeasuring instruments.

5.5.6 Drawings, manuscripts, documents,travellers' cheques and securities of allkinds.

5.5.7 CollectionsCollections means items or articles of interest tocollectors, such as art work, hand-made carpets,weapons, and collections of coins, bank notes orstamps.

5.5.8 Animals

5.5.9 Damage due to normal use of the item.

5.5.10 Minor damage to cases, rucksacks, pushchairsand bicycles, such as scratches, scrapedcorners or marks.

5.5.11 Checked push-chairs and bicycles

5.5.12 Damage in transit to checked in cases, bagsand rucksacks.

5.5.13 Consequential damage, e.g. after damage tofragile objectsor perishable goods, liquidsrunning out in transit.

5.5.14 Financial loss other than the loss of or damage tothe insured items, or loss in direct consequence oflost or damaged goods.

5.5.15 Foodstuffs and stimulants.

5.6 Settlement of claim and calculation ofcompensation

Section 6-1 of the Insurance Contracts Act (FAL) doesnot apply.

5.6.1 The insured must give the Company theinformation and documents available to theinsured and required by the Company as soon as

possible, e.g. original receipts and guaranteecertificates, to enable the Companyto calculateits liability and pay compensation. Theft, robbery,assault, bag snatching and criminal damage mustalso be reported to the police. Loss or damage intransit must be reported to the carrier immediatelyin accordance with the rules for the carrier inquestion. If loss or damage has occurred, theburden of proof that an insurance event hasoccurred lies with the insured. Writtenconfirmation that the loss or damage was reportedat the place where it occurred is importantdocumentation when making a claim forcompensation after an insurance event.

The right to compensation may cease if the claimis not made to the Company within a year afterthe insured became aware of the basis for theclaim for compensation.

5.6.2 Damaged objects must be preserved, and sentto the Company on request.

5.6.3 If loss or damage has occurred (including theCompany's right of recourse) because theinsured has deliberately or through grossnegligence failed to fulfil his obligations, theCompany's liability may be reduced or cease.

The settlement must take account of the degreeof culpability, the sequence of events and othercircumstances, cf. Section 4-10 of the InsuranceContracts Act (FAL).

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5.6.4 Compensation will be paid for loss or damageup to the stated insurance sum, but neverabove the insurable value. The insurable valueis set at what it would cost, including duties, tobuy an equivalent object for the same purpose.Deductions will be made for depreciation invalue due to age, use and impaired utility.Calculation of depreciation will take account ofthe probable useful life of the item. For digitalor video cameras, portable computer

equipment and e-book readers a deduction forage will be made at a rate of 25% per year orpart of a year after the date of purchase oracquisition.



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5.6.5 Compensation paid for lost or damagedluggage or expenses in connection with thesewill never exceed the insured's actual financialloss. Thus losses refunded by others will notbe covered. If more than one insurance policyhas been taken out and covers the damage,the Company must be informed, and theCompany's total liability may not exceed theactual loss. If it is possible to claimcompensation for the loss from others, theCompany is subrogated to the insured's claimfor that part of the loss by the insured whichwas paid out under the policy.

5.6.6 Compensation for items that are bought used orreceived as an inheritance or gift will be paid atthe market value.

5.6.7 The Company has entered into favourableagreements with various suppliers of goodsand services, to be used in cases ofsettlements of claims. Compensation is fixedat the cost to the Company

a) of repairing or remedying the damage orb) replacement with an equivalent or essentially

equivalent item according to the price at thetime of the damage.

The Company will decide which of thesealternatives will be used and whichrepairman or supplier will be chosen. TheCompany will assess for each insurance

event whether the insured can be givencompensation in cash. Cash compensationwill be equal to the sum the Company wouldhave paid for repair or replacement.

5.6.8 If lost items turn up, the insured must informthe Company immediately.

If missing objects turn up aftercompensation has been paid out, theinsured is entitled to keep the objects if hepays the compensation back. The insuredmust inform the Company in writing andrepay the compensation within 14 days afterthe object has turned up. Otherwise theobjects will be the property of the Company.

5.6.9 The Company is entitled to check the informationprovided by the insured by contacting retailers,etc.

5.6.10 The Company is not obliged to paycompensation until the necessaryinvestigations are complete.

5.6.11 If the insured's entitlement to compensationceases wholly orin part as a result of actionscommitted or omitted by the insured, this will alsohave the same effect if equivalent actions or

omissions are committed by the insured's spouseor persons with whom the insured lives in anestablished relationship, cf. Section 4-11 of theInsurance Contracts Act (FAL).

6 MEDICAL TRAVEL INSURANCE,ETC.

6.1 What the policy covers and what limits

apply

The health insurance is divided between health insurance inthe country of study (point 6.3) and travelling healthinsurance on journeys outside the country of study (6.4).

The policy covers expenses incurred in connection with eventsthat arise in the period of insurance, including expenses ofnecessary and normal medical treatment, and which are due toacute illness, serious accidents and unexpected acutedeterioration of known illness or a chronic condition.

6.2 Safety regulationsIf the insured is receiving medical treatment for an illness or

medical condition, a certificate from the insureds doctor tothe effect that it is reasonable to make the journey andthere is little likelihood of complications occurring/themedical condition deteriorating must be submitted.

6.2.1In the event of illness or injury, the insured must consult adoctor, go for regular medical treatment and follow doctor'sorders.

6.2.2You must contact the AIG alarm centre:

- In the event of a stay in hospital or confinement tobed that is expected to last more than three days.

- For approval of additional expenses for transportand medical assistance in transit.

- For approval of additional expenses for board andlodging.

- For approval of unscheduled return home.

6.3 Medical expenses in country of studyMaximum compensation: Unlimited

It is a precondition for health insurance under point 6 of theTerms and Conditions that during the student's stayabroad he/she has mandatory or voluntary membership ofthe national insurance scheme and is entitled to extended

benefit for health expenses abroad (unless otherwiseagreed separately and an additional premium paid). Seewww.helfo.nofor further information.

It is assumed that the insured's place of study is withinthe geographical area defined in the policy. Coverapplies in the country of study until five weeks after theend of the study period, but within the insurance period,however.

It is possible to opt out of this cover in the main policy, andthe decision to opt out will be shown on the insurancecertificate.

6.3.1 The policy covers the expenses of:

a. Treatment by a doctor, admission to hospitaland the costs of treatment at a hospital asordered by a doctor.

http://www.helfo.no/http://www.helfo.no/http://www.helfo.no/http://www.helfo.no/


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b. Medical stress counselling, dressings andmedicine prescribed by a doctor on thespot.

c. Treatment by a publicly registeredphysiotherapist, chiropractor or other therapistwho is not adoctor, when the treatment isprescribed by a doctor.

d. Transport by ambulance from the place whereillness/or accident struck to the place of treatment(including air ambulance), and transport , if notreatment is available, to the nearest suitabletreatment centre. This last benefit is subject toapproval from the AIGalarm centre.

e. Treatment of mental conditions is covered forup to 20 hours of treatment by a psychologistper year of insurance cover. It is a requirementthat the type and extent of treatment must beapproved by AIG's medical officer before

treatment commences.f. Necessary and documented transport of the

insured by taxi to and from the place oftreatment is covered up to a maximum of NOK1,000.Necessary and documented costs of telephonecalls in connection with admission to hospital willalso be covered up to NOK 1,000 per insuranceevent.

g. Dental expenses:In cases of acute dental problems or toothdamage caused when eating, where treatmentcannot be postponed, compensation will bepaid up to NOK 1,000 per insurance event.

6.3.2 Additional costs due to change of travel plansNecessary and documented additional costs for travel,meals and accommodation up to 30 days when theinsured has to postpone the planned journey home or isunable to continue the journey as planned for medicalreasons and on doctor's orders. Additional costs will notbe compensated for when the insured has travelledhome to his/her permanent address at the place of studyor in Norway.

6.3.3 Interruption of studiesThe policy provides cover at the place of study throughoutthe insurance period for expenses as set out below up toNOK 80,000. For all claims under this cover there is anexcess of NOK 500.

a. When the insured has to interrupt his/her studiesbecause of his/her own sudden and unexpectedillness or accident, and own payments of schoolfees are not refunded by the school,compensation up to NOK 80,000 will be paid forthe lost school fees. It is a requirement that adoctor's certificate be presented, and aconfirmation from the place of study that studieshave been interrupted.

Serious illness in this connection means seriousfrom a medical point of view. The gravity mustnot be related to the type of study or the study

situation.

School fees mean a charge paid to theeducational institution for tuition and registrationfor examinations.

Compensation will be paid proportionally inrelation to planned study time within theinsurance period, and the remainder of thestudy time paid for must be more than onemonth.The compensation is an alternative to possiblerefunds /or conversions from the Norwegian StateEducational Loan Fund for illness during study, so thatthe policy covers residual losses if any.

b. In cases of sudden and serious mental illness,in this connection cover only applies topsychoses and serious depression requiringadmission to hospital or therapeutic treatmentprescribed by a doctor.

6.4 Health insurance outside the country of study Maximum compensation: unlimited

6.4.1 The insurance covers under the same termsand conditions as in point 6.3 for travel andstaying outside the country of study, worldwide,for up to 45 days.

In addition to the terms set out in point 6.3, the followingapplies:

6.4.2 Compensation for spoilt days of holiday. Themaximum compensation is NOK 20,000, witha maximum of NOK 1,000 per day, however,and the policy covers the insured's ownlosses. The policy covers financial

compensation to the insured in the form of theprice of the journey per day for spoilt days ofholiday minimum NOK 250 per day.

a. Spoilt days of holiday mean days included in oneof the situations described below:

- the insured or the sole travel companion with theinsured is summoned home in accordance withpoint 6.9.

- the insured or the sole travel companion with theinsured is admitted to hospital or transportedhome in accordance withpoint 4.

- the insured or the sole travel companion withthe insured is ordered to remain in bed or to

remain indoors by the treating doctor.b. Financial compensation for spoilt days of holidaywill be paid at the earliest from the day after oneof the situations in point 6.4.2 a arises.Coverage is provided only provided for the exclusivenumber of days that the situation lasts.

c. For holidays in the insured's own car,compensation of NOK 2.50/km will be paid,calculated for the shortest route from thestarting point for the journey to the pointwhere it was interrupted, and back.Compensation will not be paid for the dayspent travelling home.

d. Cover is only provided for journeys of up to45 days' duration, and never beyond theinsurance period.



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6.5 ExceptionsThe coverage in points 6.3 and 6.4 does not include expensesdue to:

6.5.1 Treatment or periods spent in Norway.

6.5.2 Treatment or staying on after the time when theinsured fails to allow himself/herself to betransported home, after AIG's medical officerhas decided that he/she should be transportedhome.

6.5.3 Treatment or stay in cases where AIG'smedical officer has decided that treatment canwait until after the return to Norway.

6.5.4 Expenses incurred because the insured did notfollow the orders of the treating doctor and/orAIG's medical officer.

6.5.5 Treatment of chronic or previously knownillness or conditions, including medicine, if theinsured:

a. Has not consulted a doctor, has refused orabandoned treatment of the illness, even thoughthe insured should know or assume that theillness required treatment or had deterioratedessentially.

b. Has started treatment against the advice ofthe doctor or has been denied treatment.

c. Is registered for, referred for or on thewaiting list for assessment/treatment.

d. Has failed to attend check-up appointments.

e. Travels against the doctor's advice.

6.5.6 Check-ups and treatment, including medicine,to keep a chronic or known illness or conditionstable and well regulated.

6.5.7 A need for treatment that was known beforedeparture.

6.5.8 Pregnancy, including illness or pathologicalconditions due to pregnancy. Serious and acutecomplications before the 36th week ofpregnancy are included.

6.5.9 Glasses, contact lenses, hearing aids,dentures or other prostheses.

6.5.10 Rest cures or stays at health resorts.

6.5.11 Stays and treatment at private clinics inScandinavian countries.

6.5.12 Plastic surgery and cosmetic operations,treatment of sequelae orcomplications inconnection with them, unless caused by aninjury that required hospital treatment 24 hoursafter the injury occurred.

6.5.13 Medical treatment that is not approved by thenational health authorities, and alternativetreatment (including natural remedies,homeopathy, kinesiology and the like).

6.5.14 Financial losses other than those mentionedin points 6.3 and 6.4.


6.6.1 Liability for compensation for one and the sameillness or accident claim which requirescontinual treatment is limited to the first 30 daysafter the first visit to a doctor. If transport is notmedically acceptable, this time limit may bewaived.

6.6.2 Fortravel in the Nordic countries, compensationwill not be paid for expenses covered by theNordic National Insurance Convention or theNorwegian National Insurance Scheme.

6.6.3 Where the Company has taken over theobligations of the Norwegian National InsuranceScheme in accordance with the rules on rights tobenefit for medical treatment abroad, theCompany is subrogated to the insured's rights to arefund for the sum paid out under the insurancepolicy.

6.7 Repatriation6.7.1 What the policy covers:

6.7.1.1 When the insured is ill or injured, specialtransport to a place where necessary andqualified treatment can be given or to the placeof residence in Norway when adequatetreatment cannot be given where the insured islocated. Transport during illness must beapproved in advance by AIG's medical officer.

6.7.1.2 Return journey if possible to the place of studyafter compensated transport home to the placeof residence in Norway. It is assumed that thereturn journey must take place before the expiryof the insurance period, and any return journeymust be approved by the AIG medical officer.

6.7.1.3 The expenses of an accompanying doctor ornurse if this is considered necessary by AIG's

medical officer.

6.7.1.4 Reasonable and documented expenses of ataxi or ambulance ordered by a doctor totransport the insured to his/her address inNorway. This cover applies on discharge afterthe Company has transported the Insured hometo a hospital in Norway.

6.7.2 In the case of death, the expenses oftransporting the deceased to Norway will becovered, including payment for any legalrequirements to such transport.

6.7.3 ExceptionsThe policy does not cover the expenses of transport homeif:



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6.7.3.1 AIG's medical officer has decided thattreatment can wait until the planned return toNorway.

6.7.3.2 Transport home is not approved by the Company.

6.7.3.3 The insured has arranged transport homeHimself/herself, and expenses were imposed onthe Company which would not have beenincurred if the Company had arranged thetransport home.

6.7.3.4 The insured is transported home because of fearof the risk of infection.

6.7.3.5 The insured did not follow the orders of thetreating doctor and/or AIG's medical officer.

6.7.3.6 Transport home is due to chronic conditions orconditions known before travelling, unless there isan unexpected acute deterioration. Deteriorationin very serious illness in the terminal stages, thatwas diagnosed before departure, will not becovered in any circumstances.

6.7.3.7 Transport home is due to a need for treatmentthat was known before departure.

6.7.3.8 Home transport is due to pregnancy, giving birthor a planned abortion, including illness orpathological conditions due to pregnancy.Serious and acute complications before the 36th

week of pregnancy are included.

6.8 Companion while sick/Summones abroad

6.8.1 The policy covers reasonable and necessaryexpenses of travelling and accommodation forup totwo close relatives resident in Scandinavia,who have been summoned because the insuredis seriously ill or injured (serious forms of cancer,cerebrovascular accident, cardiovasculardisease and the like, and life-threatening injury)or death abroad.

6.8.2 Alternatively, the policy covers reasonable andnecessary expenses for up to two people tostay at the destination as companions while theinsured is seriously ill or injured.

6.8.3 Advance approval must be obtained fromthe Company.

6.8.4 Extent of cover

6.8.4.1 The policy covers the necessary andreasonable expenses of the person summonedor the companion for:

a) Transport maximum an economy class fare,although not air ambulance, in cases wherethe insured must be transported to a suitableplace for treatment or transported home. Thepolicy does not provide cover if the insuredhas to be transported home within three days

after the companion's departure from Norway.b) Accommodation at a hospital or hotel.c) Documented expenses for food and local

transport.d) Renewal of the present insurance policy or

talking out an AIG policy of the same type asthe one held by the insured for the duration ofthe summons or accompaniment while ill.

6.8.4.2 Travel to the home address or to rejoin thefixed travel itinerary maximum by economyclass when accompanying the sick person isended, either when the sick person isdischarged from hospital at the place wherethey are staying or on arrival at home or inhospital inNorway.

6.8.4.3 The time of stay for the companion while ill can

never exceed the duration of the illness.

6.9 Summons home

6.9.1 Maximum coverage unlimited; however thesum of coverage for grandparents is NOK10,000 per insurance event.

The policy covers reasonable and necessary extratravelling costs at maximum economy class forthe insured if:

6.9.2 The insured is summoned to a funeral as aresult of an unexpected death or admission to

hospital of a life-threatening nature as a resultof a serious accident or acute serious illness(serious forms of cancer, cerebrovascularaccident, cardiovascular disease and the like,and life-threatening injuries) suffered by one ofthe following persons or groups of personsresident in Scandinavia: spouse or partner,child, grandchild, parent, grandparent orsibling. If the insured is married or has acommon child with a partner, brothers/sisters inlaw and parents in law will also be covered.The policy does not cover admission to hospital (or referral for admission to hospital) beforedeparture, or serious illness in the terminal stageswhen the illness was diagnosed before departure.

6.9.3 The policy covers one summons home perinsurance event (accident/illness/confinement tobed/death).

Return travel to the place of study is coveredunder the assumption that it takes place within theinsurance period.

7 CANCELL ATION INSURANCE

7.1Maximum compensation: NOK 15,000.Deductible: NOK 500.00.



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7.2 Safety regulationIn the event of illness or injury that prevents the journeyfrom being undertaken as planned, the insured must cancelwith the tour operator/carrier/lessor without delay. Cf. alsosection 4-10 of the Insurance Contracts Act (FAL)concerning the insured's obligation to avert or minimise theloss.

7.3 Where the policy is effectiveThe policy applies for all travel betweenthe placeof study and Norway that:

- has been paid for prior to departure- starts from the home address at the place of

study orthe home address in Norway

Upon the first departure from Norway, it is apreconditionthat the insurance has been subscribed to and paidatleast 14 days prior to departure. The cover will enter intoeffectfrom the subscription date until the point in time theinsuredleaves their home in order to begin the outboundtrip fromNorway.

For all other travel between the home in Norway andtheplace of study, the cover will enter into effect when theinsuredpays the tour operator for the trip and will be ineffect untilthe insured travels.

7.4 What the policy includes

7.4.1 The policy covers cancellationcosts that areimposed on the insured with respect toprovisions established by:

- the carrier- the tour operator- hotel

What is meant by cancellation costsare amounts paid infor travel and stays that the insuredis not refunded uponcancelling prior to departure.Taxes and governmentalfees are not encompassed by thepolicy. The policy onlycoverscosts associated with the travel to theplace ofstudy/destination country. Moststudent tickets can berefunded by the tour operatorfor a fee. In such case,compensation is only paid for the fee.

7.4.2 The period of insurance runs from when the

journey/accommodation is paid for in full or inpart until theplanned departure. It is apreconditionthat the policy is in effect beforethe first payment ismade. What the Companypays compensation for and the specificlimitations that apply

7.4.3 The policy covers cancellation costs where travelcannotbe carried out due to:

- acute and serious illness or accidental injurythatrequire hospital admittance, confinement to bedordered by a doctor or the equivalent.

- death

Compensation under this point will occur when conditionsmentioned in point 7.4.1 arise duringthe period ofinsurance and effect:

- the insured or the insured's immediate family

domiciled inthe Nordic countries. What is meantbe immediate family are a spouse/domesticpartner, siblings, children and grandchildren,biologicalparents and grandparents. If theinsured is married or has a common child with apartner, then brothers/sisters-in-law and parents-in-law willalso be covered.

- the insured's sole travelling companion. What ismeant bytravelling companion is the person whois listedon the same travel documentation/ticketas the insured, or whohas ordered the triptogether with the insured becausethe trip was tobe taken together.

7.4.4 The policy also covers:- fire or burglary in the insured's private

residenceor business immediately beforedeparture, whichrequires the insured to be

present. A police report mustbe available.- If the insured due to medical reasons is notin a

condition to receive a vaccine that is suddenly andwithoutprior notice introduced as a requirementfor entry to the country that the insured is to travelto.

7.4.5 If the insured has received a refund fortheprice of the trip directly from the tour operator,compensation willonly be paid for the touroperator's cancellation fee.

7.5 What the Company does not reimburse

The policy does not cover cancellations thatare dueto:

- acute deterioration of chronic illnesses wheredeterioration is deemed to be expected duringthe period of insurance

- illnesses that do not require treatment by a doctor- hospital stays/tests/examinations/

treatment that takes longer than planned- planned examinations/treatment/operations/

recuperation/stays at health resorts that aremoved forward/postponed

- pregnancy or voluntary termination of pregnancyand illnesses or pathological conditions related tosuch. Cancellation due toserious, unexpectedcomplications that arise before the 36th week ofpregnancy are nevertheless covered

- the purpose of the trip no longer being applicable- changed conditions at the destination- fear of flying or fear of war, terror or

illness.

7.6 Act ion to be taken by insured in case ofaninsurance event

Page 13 of 25

7.6.1 In the case of an insurance event, the insuredshall without undue delay notify the Companyand travel bureau/tour operator/carrier/hotelwhere the travel/accommodation has been

purchased.

If the Company is subjected to losses, includingthe loss of recourse,in consequence of theinsured having intentionally or by gross



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negligence not addressed its obligations, theCompany'sliability may be reduced or cease toapply. Indetermining this, an emphasis shall beplaced on the degree of culpability,thesequence of events and other circumstances,cf. Section 4-10of the Insurance Contracts Act(FAL).

7.6.2 The insured is obligated to give the Companytheinformation and submit such documents asareavailable, and which the Company needs inorder tocalculate its liability and disbursecompensation.The following must be submittedfor a claim for compensation:

- the original travel document/ticket/lease andconfirmation that the journey/accommodationhas been paid for or a credit note showing thecancellation costs

- doctor's statement that confirms that theinsured visiteda doctor prior to thecommencement of the trip and that thecancellation is due to acute illness/accidentalinjury arising during the period of insurance

- accident report/assessors report/policereportconfirming that the cancellation is dueto fire orburglary.

7.6.3 Claims for reimbursement of cancellationcosts may neverexceed the insured's actualeconomic loss. Costs that are refunded byothers will thus not be covered.

7.6.4 If there are multiple policies that coverthecancellation, the Company shall be notifiedandthe total liability of the companies may notexceedthe insured's actual economic loss.

If it is possible to claimcompensation for thecancellation costs from others, the Companyis subrogated to the insured'sclaim for thatpart of the loss by the insured which was paidout under the policy.

8 TRAVEL DELAY INSURANCE

8.1

Maximum compensation: NOK 5,000

If a delay of at least 2 hourscaused the insured to arrivetoo latefor prepaid transport, the Company will paycompensation for necessary and documented additionalcosts forcatching up on a set itinerary..

The precondition for the Company's liability to paycompensation isthat the delay be due to weatherconditions that delaythe means of transport the insured istravelling with, ortechnical problems in/traffic accidentswiththe means of transport, and which arise after the trip

has commenced. The delay and its cause shallbedocumented by the tour operator/ carrier.

8.2 Specifi c injur ies the Company does not coverThe insurance does not cover expenses incurred due to

flight delay, cancellation or overbooking that falls underthe EU directive 261/2004 and for which the airlinesthemselves are liable to pay compensation.

9 ACCIDENT INSURANCE

The policy covers accidental injury suffered by the insured thataffects the insured during the period of insurance. What is meantby accident isphysical damage to the body caused by asuddenexternal physical event, anaccident, which occurs during the tripinthe period of insurance. An insurance event is deemedtohave occurred at the point in time of the accident, even if theconsequentiallosses have not been clarified at this point in time.

9.1 Maximum amountTotal maximum compensation:

a) For 100 % medical disablement NOK

500,000b) Death NOK 50,000c) Treatment expenses in consequence of accident

NOK 25,000. For any losses under this point, adeductible shall apply of NOK500.00.

9.2The specific losses the Company is liable for andthe specific limitations that applyCompensation ispaid for the following losses:

- Death- Permanent medical disablement- Medical treatment expenses

9.2.1 If the accident has arisen inconnection withperforming one of the followingactivities, thecoverage amounts given in point 3.0 will behalved:All professional sports activities(includingactivities in connection with athleticscholarships),diving deeper than 40 m,expeditions, privateflying (all flying where noticket is paid forwith scheduled or charterplaces), parachuting(excluding tandem jumpswith an instructor), andform of speed racingwith motor vehicles.

Death9.2.2 When an accident that is encompassed bythe

insurance leads to the death of the insuredwithinone year, the sum for a death will bedisbursed as isspecified in the Certificate ofInsurance, with the deduction ofany possiblepreviously disbursed disablement benefits.

If the insured dies of another cause within oneyear ofthe accidental injury occurring, neitherdeathnor disablement benefit will be paid.

Permanent medical disablement9.2.3 The insured has a claim for disablement

benefits if an accidental injury has causedmedical disablement that is presumed to be

permanent. For 100% disablement, theentire insurance sum will be paid and forpartial disablement a proportionatelysmaller part of it. It is a precondition for



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coverage that the insured is aliveat thepoint in time the compensation isdisbursed.

Permanent medical disablement is established onthe basis of atable issued by the Norwegian Ministry of Health and SocialAffairs inits Regulations of 21 April 1997, parts II and III, but nottheNational Insurance Scheme's other codes of regulations. Theassessment mustbe purely tabular.

For accidents that are not specified in the table,thedegree of disability is established on the basis of anestimated comparison with the accidental injuriesin thetable. For disablement of the limbs and organsthat arementioned, the table's rates form under anycircumstances the limit for the Company'sliability to paycompensation. For composite injuries to theindividual

organ or limb, the total loss of functional ability will beassessed against the rate that appliesfor complete lossof functional ability in theindividual limb.

The degree of disablement for the loss of multiple limbs ororgans may not collectively exceed 100 %. Loss of or injuryto a limb or organ that was completely useless before theaccidental injury occurred will not entitle the insured tocompensation. If a limb or organ was previously partiallylost or useless, a corresponding deduction will be made.When a pathological condition or proclivity contributes tothe disability that arises after the injury being higher thanwhat is dictated by the injury alone, the same distributionrule applies as in the section above. Dental damage andinjuries that have a disfiguring affect do not give any right todisablement benefits.

Compensation for disablement is incurred at the earliestwhenone year has passed after the insurance eventoccurred. Ifit is obvious at an earlier point in time thattheCompany in any event will have to pay a part of theamount being claimed, then acorresponding advance willbe disbursed. If any of the parties are of the opinion thatthe medical degree of disablement could change, arequest can be made for final settlement to be postponedupto a maximum of 3 years after the insurance eventoccurred.

Medical treatment expenses

9.2.4 If the accidental injury involves necessaryexpenses for treatment in Norway within 2 yearsfromthe date of the injury, compensation will bepaid for expenses of up to NOK 25,000for:

- Doctor and dentist Dental damage that is a directconsequence of an accident will be covered onlyto theextent the treatment is not covered inanothermanner. It is a precondition for coverageofdental damage that the treatment be approvedin advanceby the Company, and that it becommenced as soon as possibleafter theaccident. Tooth damage caused when eating isexcepted.

- Dressings and medicine prescribed by a doctor ordentist.- Artificial limbs.- Treatment and stays in public hospitalsand

physiotherapy/treatment by achiropractor when

the treatment is prescribed by a doctor

9.2.5 Compensation is not paid for expenses for staysin hotels,convalescence homes or the like.Thepolicy does not cover additional expenses forstays or treatments in private hospitals orbydoctors in private practice - without publicoperating subsidies.

9.2.6 The insured must submit a justifiedstatement ofthe expenses with original vouchers for whichcompensation is beingclaimed and is onlyentitled to compensationfor the amount bywhich the expenses exceed what can beclaimed elsewhere.

9.3 Specific injuries the Company does not cover

Mental in jury9.3.1 Mental injury, for example shock, is not

reckoned to bean accidental injury unlessbodily damage hasoccurred at the same timethat involves permanent andcompensatablemedical disablement.

Intentionality9.3.2 If the insured has intentionally causedthe

insurance event, the Company is not liable.TheCompany is however liable for the injury if it isdue to acute mental derangement by theinsureddue to age or mental condition not beingable tounderstand the full consequences of their

actions, namelythe actual bodily harm.

The Company is not liable for suicide or attemptedsuicide owing to mental illness.

The party filing the claim has the burden of proof for the suicideor attempted suicide being due to acutemental derangement bythe insured due toage or mental condition not being able tounderstandthe full consequences of their actions - and notmental illness, cf. first and second sections above.

Fights and criminal actsThe policy does not cover injuries due tovoluntaryparticipation in fights or criminal acts.

Profession/occupation9.3.3 The policy does not cover accidental injuries

that are due to practicing an occupation.

Air travel9.3.4 For accidents occurring in connectionwith air

travel compensation is only paid for accidentsthat affect the insured as a passenger onanaircraft with a nationality designation.

Drowning

Page 15 of 25

9.3.5 The insurance does not provide cover foraccidental injury due todrowning, unless theparty filing the claim canestablish that it isoverwhelmingly probable thatdrowning is notdue to illness, pathological condition,orconditions that the Company pursuant to theterms and conditions is not otherwiseliable for.Medical treatment/use of medicaments



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9.3.6 The insurance does not cover accidental injurycaused by medical examination,treatment,etc. or the ingestion ofmedicaments, unlessthe insured has beentreated due to anaccidental injury thatthe Company is liable for.In no case does thepolicy cover accidentalinjury caused directlyor indirectly by theingestion of sleeping,analgesic or narcoticsubstances.Limitations for illnesses and otherspecialconditions.

9.3.7 The insurance does not provide cover forinjuries that are due to illnesses, apoplexy,fainting orother pathological conditions.Injuries due to other il lnesses or pathologicalconditions.The insurance does not provide coverfor the followingillnesses or pathologicalconditions, even if anaccidental injury can bedemonstrated to be the cause:Myocardial

infarction, cardiovascular diseases, neurosis,rheumatic illnesses, back injuries orwearchanges in the spinal column - includingspondylosis, spondylarthrosis, facet jointosteoarthritis andosteochondrosis - as well asspondylosis,spondylisthesis.

9.3.8 Injuries arising from an infection or contagionorstings or bites, for example insect bites, all formsof hepatitis and illnesses caused by HIVinfection. The company will only compensate forotherinfections if it may be regarded as certainthat the cause is wound infection that occurredwith theaccidental injury and that another source

of infection maybe regarded as ruled out.

In other cases the compensation will be reduced if itcan be assumed that a pathological condition orpredisposition contributedto the insured'sdeath ordisablement. The compensationwill be reduced inproportion to the significance of the pathologicalcondition or predisposition in thedeath or disablement.

Cancer, light and temperature9.3.9 The policy does not cover cancer or injuriesdue

to light or temperature.

Poisoning9.3.10 The insurance does not provide cover for

accidental injury due to poisoning by food,drink or intoxicants.

Actions performed to avert the injury9.3.11 None of the exceptions that are mentioned

aboveapply if the accidental injury is due to anaction that was intended to prevent damage toaperson or property, and the action pursuant totheexisting conditions must be deemed to bejustifiable.


Rules in common

Page 16 of 25

9.4.1 The Company shall be notified of a death assoon as possible. Notification of loss/claimsmust also be sentto the Company as soon aspossible.

9.4.2 The insured and the Company have a right toprocure opinions from doctors and specialiststhat are ofsignificance to the setting of thebasis forthe calculation of compensation.

9.4.3 If it can be assumed that the condition wouldbeimproved by surgery or other treatment andtheinsured refuses tosubmit to such treatmentwithout reasonable grounds, assessment of thefinal degree of disablement willneverthelesstake intoaccount of the possibility ofimprovement that suchtreatment might beassumed to have brought, cf. Section 13-12 oftheInsurance Contracts Act (FAL).

9.4.4 If nothing to the contrary appears ontheCertificate of Insurance, the compensationbelongs to theinsured or their survivors, cf.

Section 15-1 of the Insurance ContractsAct (FAL).

9.4.5 Claims for compensation fall due for payment assoon as the Company has had reasonable timeto clarifythe liability situation and to compute itsfinal liability.Ifit is obvious at an earlier point intime thatthe Company in any event will have topay a part of theamount being claimed, than acorresponding advance will be disbursed, cf.Section 18-2 of the Insurance Contracts Act(FAL).

10 PERSONAL LIABILITY INSURANCE

10.1Maximum compensation: NOK 6 millionFor each injury that is encompassed by thiscoverage, adeductible of NOK 3,000 shall apply.

10.2What the policy includesThe policy provides coverage in the entire world, andencompasses the liability to pay compensation that theinsured in the capacity of a private individual assumes fordamage caused to anotherperson or the property ofothers during the policy period.

What is meant by personal injury is injury, illness or deathinflicted upon a person.What is meant by property damage is the loss of or physicaldamageto physical items (including animals and real estate).

The policy encompasses the economic loss that theinsured with respect to the applicable law of damages(statute, case law) in the country the damage occurred incanbe ordered to pay compensation for, however with theexceptions mentioned inpoint 10.4.

10.3The insured must never on their own admit a liabilityto

pay compensation or approve a claim for compensation.Leaveit to the Company to take a position on it. In not,the insured is risking having to paycompensation on theirown, also for insurance events for which the insuredispossibly not at all liable for whatoccurred. The Company



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must be informed immediatelyof the insurance event andwill subsequently make the requisite decisions concerningthe furtherprocessing of the case.

10.4 ExceptionsThe policy pays no compensation for liabilities:

10.4.1 For deliberate acts or omissions.

10.4.2 That have an interrelationship with theinsured's occupationor business enterprise.

10.4.3 As the owner, driver or user of a motor vehicle,tools, boat, jet ski, aircraft (excl.model planes) ora registered trotting horse or racehorse thatisbeing trained to or is participating in races.

However, liabilities are coveredas the owner,

driver or user of:- a canoe, kayak, sailboard/surfboard- hangglider, paraglider- boat under 15 feet with motor of less than 10 hp- wheelchair, self-powered lawnmower,

snowblowerand the like, that cannot achieve aspeed of more than 10km/h.

10.4.4 For damage to property occurring byexcavation,blasting, piling, sheet piling anddemolishment workas well as by slips,landslides, dam breaks and settling of soil.

10.4.5 To travelling companions, spouses, domestic

partners,parents, grandparents, foster parents,parents-in-law, siblings,children/grandchildren/foster childrenand thespouses and domestic partners of thosementioned.It is the family relationship at the pointin time the claimwas inflicted that is taken as abasis.

10.4.6 For claims concerning the insured's share ofitems that arejointly owned. It is theownership relationship atthe point the claimarose that is taken as a basis.

10.4.7 For pain and suffering or otherliability to pay

compensation of a penalising nature that ismeted out in addition to compensation for thevictim'seconomic losses, for example"Punitive Damages" andthe like. The policydoes not cover fines,fees and the like.

10.4.8 For damage to property that belongs to another,but which the insured or someone on behalf ofthe insured is using, leasing, borrowing or hasreceived for transportor storage. Damage ishowever paid for concerninga leased flat/hotelroom or a holiday flat.

10.4.9 That solely is based on a promise, agreement,

contract it guarantee, including liabilities theinsured must bear because the insured haswaived theirright to recourse.

10.4.10 Board-level liabilities.

10.4.11 For transmission of an infectious illness.

10.4.12 That the insured has assumed in consequenceofpolluting.

10.4.13 That the insured has assumed on a strictliabilitybasis for damage caused by their child,cf. the Actof 13 June 1969 No. 26 relating toCompensation in Certain Circumstances,section 1-2.


10.5.1 When a claim for compensation is covered by thepolicy, it is up to the Company to ascertainwhethera liability to pay compensation exists,negotiate withthe party posing the claim and ifnecessary to litigate the matterthrough the courts.

10.5.2 The Company will defray its own costs indetermining the question of compensation, alsobeyond the sum insured.

10.5.3 The Company will pay costs for an externallawyer and other expert assistance selected orapproved by the Company.

10.5.4 If part of the claim for damages is covered bythe policy andpart of it excluded, thecosts willbe shared on the basis of the parties' financial

interest in the case. If the Company is willingto settlethe case or make the sum insuredavailable, the Company will notpay costsincurred at a later date.

10.5.5 The company is entitled to pay any damagestothe injured party directly. If the claimfor damagesis made directly against the Company, theCompanymust notify the insured without unduedelayand keep the insured informed about theprogress of the claim. The company'sconcessionsto the injured party are not bindingon the insured.

11 LEGAL EXPENSES INSURANCE

11.1Maximum compensation: NOK 80,000.For everyloss that is encompassed by this coverage, adeductible will be computed of 20 % of the totalcosts entitled to coverage,however a minimum ofNOK 3,000.

11.2The policy covers the entire world during the entirepolicy period, and encompasses:

11.2.1 The insured's cost for legal assistancewhen a civillaw dispute (disagreement),in which the insuredis a party as a private individual, that has arisenduring the trip or at the place of study/destinationrequires legal assistance before the insured has



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travelled back to Norway.

11.2.2 Travelling expenses consequent to the insuredbeing summoned as a witness or for questioningat a courtabroad.

11.2.3 The posting of security that is necessary fortherelease of the insured of the property of the partyconcernedfrom impoundment by foreignauthorities. The posting of security is regardedas aninterest-free loan that must be repaid totheCompany after the release or upon demand.

11.2.4 Transport expenses for en person of theinsured's desire - at a maximum in economyclass - outto the insured and back to therehome in the event the insuredis detained bylocal authorities for morethan 48 hours.

11.3 ExceptionsThe policy does not cover costs for legal assistance indisagreements:

11.3.1 Between the insured and the travel bureau,thetour operator, the travel broker, one or moretravelling companions, the location of instructionorthe course organiser.

11.3.2 In connection with conditions of an occupationalnature, or upon the purchase/sale of real estate.

11.3.3 In connection with family, inheritance andprobate or bankruptcy court situations, or in

connection withclaims by persons or legalentities domiciledor registered in Norway.

11.3.4 In connection with criminal proceedings,defamation cases or claims for compensationin suchcases.

11.3.5 In connection with traffic-related cases where theinsured used a motorised means of transport.

11.3.6 That concern compensation settlementsunderthis or other insurance agreements theinsured iscovered by with AIG.

11.3.7 It is a precondition that the insured be unabletoobtain free legal assistance for guidance inthe case, and thatthe disagreement cannot beaddressed at apublicly recognisedadministrative appeal body, includinganappellate court.

11.3.8 The legal assistance does not encompassactual demands for compensation or of apunitive nature,but solely those costs that gotowardslegal assistance and the posting ofsecurity.

11.4 The insured's obligations and rules of

action whenan insurance event occurs11.4.1 If the insured wishes to seek compensation under

this policy, then the Company must be notified assoon as possible, and at the latest one year after

a lawyerhas been hired. The notification mustbe in writing.

11.4.2 The insured undertakes to limit expenses asmuchas possible and to pay any costshimself that are incurredwithout reasonablegrounds.


11.5.1 The insured may himself select a lawyer whopursuant to the nature of the case and theinsured's place of residence is suitable forthetask.

11.5.2 The Company may request to be kept informedof the scope of the expenses and has the sameright as theinsured to have how the lawyerhascomputed their fees documented.

12 EVACUATION INSURANCE

12.1 Evacuation in the event of warThe cover applies at the place of study, during traveltoand from the place of study, as well as for holidays/leisuretime travel from the place of study or from Norway,in theentire world, for up to 45 days.

If an imminent risk arises of anoutbreak of terror, war or awarlike conditionwhile the insured is staying in the country,thepolicy covers evacuation to the nearest safedestinationwith respect to the recommendation of the Norwegian

Ministry of Foreign affairs, as well asextra expenses forsuch. The transport must take placeat the first opportunityafter the Ministry'srecommendation.

12.2 DetainmentIf the insured is detained by the authorities in consequence of awar ora risk of war, the policy will cover for up to 3months paidand documented extra expensesfor stays and domestictransport of up toNOK 25,000, as well as extra expenses forfood ofup to NOK 500 per day. It is a conditionof the coveragethat the insured has not at an earlierpoint in time omitted tofollow the call by the NorwegianMinistry of Foreign Affairs toevacuate.

12.3 Crisis assistanceIf an acute crisis situation arises in which the insured is directlyaffected, the policy covers 24-hour assistance from the AlarmCentre.The assistance encompasses help in finding a suitablelocation for treatment and information for the next of kin inNorway. What is meant by a crisis situationin these terms andconditions is a serious accidental injury,natural disaster, terrorattack or assault thatwhere the insured is a victim.

13 HOME CONTENTS INSURANCE

The policy covers a maximum of NOK 100,000 with thelimitations stated below. For everyclaim there is a deductible of

NOK 3,000.A mobile telephone or smartphone is explicitlyexcepted fromthe policy.



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13.1 What the policy includesThe policy covers physical damage to moveable propertyandhousehold contents that is incurred during the periodof insurance. Expenses for maintenance andenhancements are excluded.

13.2 Where the policy is effectiveThe policy covers physical damage/loss of moveable propertyandhousehold contents that are kept in the residence or inlocked storage locations in association with the residence, or inareas that the residential units has at its disposal. For examplestorage rooms, garages, verandas, terraces and similar storagelocations.

The policy covers the insured's permanent residence inthecountry in which the insured is living and studying. Ifthe insuredmoves, the policy will cover the newresidence.

13.3 Safety regulationsSafety regulations mean the rules of due care and attentionintended to preventor limit loss and damage. Infringement ofsafety regulations may lead to a reduction of the Company'sliability or cause it to lapse completely. It isa precondition forcoverage that the followingsafety regulations are observed bythe insured:

13.3.1 The insured is obligated to perform necessaryand general maintenance of the residence, aswell as to comply with the local fire safetyregulations and ordersgiven by governmental

authorities.

13.3.2 The insured is obligated to see to it that theresidence isadequately heated in order to avoidfrost damageand/or see to it that the mainstopcock has been shut off.

13.3.3 The insured is obligated to see to it that doors arelocked,and that keys are stored where they areunavailable tooutside parties. Windows andother openings mustbe closed and defensiblysecured with hasps orthe like in order to preventoutside parties from entering the building/room.Windows in the airing out positionare notreckoned to be defensibly secured.

13.3.4 When the insured relinquishes a residencethat is shared with others,then cash,jewellery/clocks, photographic andvideoequipment, PCs/computing equipment andother especiallyvaluable personal objects, asmentioned in1.2.3, must be stored andinaccessible/lockedfrom outside parties.

13.3.5 The insured is obligated to see to it thatbicycles,bicycle trailers and babycarriages are locked, and thatkeys arestored where they are unavailable tooutside parties.

13.4 What is paid for the following losses ordamage

Losses mentioned below that arise suddenly and areunforeseen, will be covered if the insured:

- has complied with the safety regulations.- has provided correct information

concerningthe risk or changes to the risk.

- has not acted in a grossly negligent manner ofintentionallycaused the loss.

13.4.1 FireThe policy covers losses from

a) Fire, i.e. flames that have become uncontrolledb) Sudden blackeningc) Explosion

Excepted are singe and spark damages that are not duetofire.13.4.2 Lightening strikes and electrical phenomena.

The policy covers damage from directlightening

strikes and electrical phenomena. What is meantby electricalphenomena are short-circuits,arcing, flashovers andovervoltages - also inconsequence of lightening andthunderstorms.Defects in the electrical articles ortheconnection to the power grid (adapter, electricalplug and thelike) are not encompassed.

13.4.3 Natural disastersThe policy covers losses caused by natural disasters inthe form of landslides, storms, floods,storm surges,earthquakes or volcanic eruptions. Formore detaileddefinitions, see the Act relating tonatural disasterinsurance, section 1. Other lossescaused by nature, aswell as indirect consequential damages,are not covered.

13.4.4 Water and other liquidsThe policy covers losses from

a) Discharges of water or another liquid frominterior piping.

b) Water that suddenly permeates into a buildingfromthe terrain or the ground when it leads tovisible,free-standing water above the lowestflooring. Water in platform floor structures isnot reckoned to befreestanding.

c) Discharges of fire extinguishing devices.d) Permeation of water through openings or

leakage arising from sudden and unforeseendamage to the building.

Water damage to moveable property entitled to coveragein a separate storage room with access from a sharedbasement/attic is also coveredup to NOK 10,000.

The policy does not cover:- losses caused by water from the building's

gutters, exterior downspouts or sealedconnectionsbetween the roof and roofrainwater outlet for an interior downspout.

13.4.5 TheftTheft means the removal of propertythat the insuredhas in his/her possession, see sections257 and 258 of

the Norwegian General Civil Penal Code.

The policy covers theft:- from the building of the place of insurance- compensation for theft from storage rooms with



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access from a shared basement/atticwill be paidfor up to NOK 20,000

- Compensation for theft from a parked vehiclein a garage will be paidfor up to NOK 5,000

- Compensation for theft of a bicycle, bicycle traileror baby carriagewill be paid for up to NOK 5,000each

- from an inhabited residence outside the place ofinsurance. Froma building other than aninhabited residence outside theplace ofinsurance, the coverage is for up to NOK 20,000.

13.4.6 VandalismThe policy also covers vandalism in connection withtheft ina building of:

- household contents and moveable property- rooms that the insured is leasing/utilising for up to

NOK20,000.00.

13.4.7 The policy encompasses losses from inadvertenttemperature increases in freezers that causesdamage tofoods as well as odour-relateddamage to the freezer.

13.4.8 The policy covers losses from thecollapseof a building or part of a building.

13.4.9 General exceptionsThe policy does not cover:

- Losses entitled to coverage in/from sharedgarages,common rooms/basements/attics orrooms at building/construction sites that are notresidential rooms, even ifthe property is beingstored in a locked cabinet and the like. Howevertheft of bicycles, bicycle trailers andbabycarriages are covered.

- damage caused by spills or condensation- damage caused by fungi, rot, bacteria orinsects- damage caused by a household member,

lodgeror their household- Damage, loss or theft of a mobile/smart

telephone. (Does not apply if optional extras havebeen subscribed to)

13.5 What the contents insurance covers

13.5.1 Within the insurance sum specified in theCertificate of Insurance, coverage is included ofhousehold contents and moveable property,including

- Music systems, DVD/CD, GPS,camera/video/computing equipment for up toNOK 20,000 per groupof objects that naturallybelong together. ForDVD/CD there is a limit ofNOK 2,500

- Self-produced goods in an unregistered hobbyorhandicraft enterprise are covered for up toNOK 50,000

- Moveable property that is owned by others andthat the insured has bylaw or writtenagreement taken over the risk for.

13.5.2 Within the insurance sum, there is inaddition coverageencompassing:

- Golf, skiing and diving equipment-

outboard motors- hanggliders and paragliders- canoe/kayak/sailboard- recreational boats of up to 15 feet incl. motors

of up to 10 hp

Each of the above for up to NOK 10,000.

The policy does not cover motor vehicles oraccessories,tires and rims for motor vehicles.

13.5.3 The insurance sum includes coverage forcash and securities of up to NOK 10,000.

13.5.4 Compensation is paid within the insurance sumforother individual objects for up to NOK 25,000each.

13.5.5 After damages entitled to compensation arise,coverage is also paid for:

13.5.5.1 Requisite moving and storage equipmentfordamage to a building and householdcontents will be covered forup to NOK30,000. The expenses must be approved inadvance bythe Company.

13.5.5.2 Requisite additional expenses for staysoutsidethe home when such is uninhabitable inconsequence ofdamage to the building andhousehold contents for up to NOK 50,000. Theadditional expenses must be approved inadvance by the Company.

13.5.5.3 The insured's loss of rental income whenbuilding-related interior work, which the partyconcernedhas itself defrayed the costs of, nolonger is able to be used becausethe interiorwork is not being remedied as a part oftheremediation of the damage to the building, forup to NOK50,000.00.

13.5.5.4 Expenses for demolishing, clearing andremovalof valueless remnants.

13.6 Who the policy covers13.6.1 The policy covers only policyholders who appear

on theCertificate of Insurance.

13.6.2 The covers an owner of property otherthan thosementioned above, but only ifthose who arenamed in 7.5.1 have in writing assumed aninsurance obligationor in writing have assumedthebearing of the risk for the property.

13.7 Where the poli cy is effective

The policy covers the residence the insuredowns/leases with exclusive rights of use, at theplace of study.



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In addition, a separate basement/attic storageroomis covered where it is specially mentioned inpoint 7 and subsequent points.

13.8 Claim settlement rulesSection 6-1 of the Insurance Contracts Act (FAL) is beingdeviated from. Instead, the provisions below will apply.

13.8.1 Settlement mannersThe basis for compensation will be set to what it wouldcost to repair/remedy the damage, orto procure theequivalent, or essentially equivalent, item. TheCompany has the right to determineprecisely which ofthe alternatives, and precisely which repair technicianor supplier shall be used

The Company may also choose to compensate by acashsettlement. The compensation may in such case not

exceed the amount the Company could have paid fortherepairs or re-acquisition.

13.8.2 Calculation of compensation13.8.2.1 For re-acquisition or repairsthe compensation will

be calculated on the basis of the expensesfor reparation to the same, or essentially the

same condition as immediately before thedamagearose, calculated in accordance withthe prices on the date of the damage,or

- for re-acquisition of the equivalent, or in essencethe equivalent item, calculated in accordance withthe priceson the date of the damage - the re-

acquisition price. The basis for compensation maynot be set higher thanthe value before thedamage less the residual value after thedamage,as computed by the rules above.

a) Object procured as newUpon re-acquisition, a deduction will be made fora value increase in that a used item is beingreplaced by anew item. The deduction will atmost be 80%.For clothing, shoes and spectacles, a deductionof 15%will be made for each commenced yearfrom when the objects were 1 year old.For a camera/video camera, PC andcomputing equipmenta deduction of 25 %

will be made per commenced year. Forother objects, anestimated deduction will bemade for the deterioration in value duetoage, use, probable useful life andreducedusability.

b) Object acquired usedAn object acquired as used by inheritance,gift orpurchase, will be replaced at its re-acquisition price forthe equivalent, or theessentially equivalent,used object.

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13.8.2.2 In the calculation of additional expenses forstays outside the permanent residence,regard must be paidto the costs that theinsured would have hadwithout the loss and

that they have after the loss. Adeduction willbe made for every form of compensation forloss of rental income, also from otherinsurance companies,as well as for savedexpenses.

13.8.3 DeductibleIn the settlement computation a deduction will be madefora deductible of NOK 3,000. Reductions will be madein the compensationcalculation based upon thetermsand conditions or the law prior to the deduction of thedeductible.

13.8.4 The ownership rights to damaged property orpropertythat is found

The insured is obligated to keep a damagedobjectagainst which compensation is being disbursed fordamagesto the object, however the Company has theright to take overdamaged property. If the object is laterfound after compensationhas been disbursed, then theinsured has the right tokeep it and pay the compensationback. Inthe opposite case, the object will belong to theCompany.

13.8.5 Acts and omissions by other persons

(identification rules)If the insured's right to compensation is lost in full or inpartin consequence of the insured's actsor omissions,such will also have the same effectas for correspondingacts or omissions madeby the insured's spouse ordomestic partner (cf. section 4-11 the InsuranceContracts Act (FAL).

14 GENERAL TERMS AND CONDITIONS (ANSA)

In addition to these terms and conditions, the following shallapply:

- Norwegian Insurance Contracts Act of 16 JuneNo.69 (FAL).

- Certificate of Insurance

The General Terms and Conditions apply in so far as theyare not departed from in the individual industry terms andconditions or the Certificate of Insurance.

The following list of provisions and exceptionsshall applyfor this entire policy (point 1-13).

14.1It is a condition for subscribing to theinsurance thatthe insured is a member of ANSA.

It is furthermore a condition that the insured, upondeparting fromNorway, or upon later renewal oftheinsurance, is a member of the Norwegian NationalInsurance, unless otherwise agreed separately. If apremium has been paid under the preconditionof a right tocoverage of healthcare expenses outside the EEA,pursuant to the rules concerning expanded benefits, andsuch precondition is not satisfied, then the Company hasthe rightto seek to have the expenses re

ANSA Student Insurance wording of 0105 2013.pdf

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Transcript of ANSA Student Insurance wording of 0105 2013.pdf