Insurance for Schengen visa area - Medical expenses ( BUPA Group )

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International Travel Cover - Policy conditions ( valid from 1.1.2006):

In accordance with the Danish Insurance Contracts Act.

Art 6. Medical expenses

6.1 The insurance shall cover the medical expenses incurred by the insured in case of acute illness and injury.

6.2 Prescribed emergency treatment in a hospital and local transport to and from hospital shall be compensated at 100% of the expenses.

6.3 Treatment by authorised physicians and specialists shall be compensated at 100% of the expenses once the covered expenses have net the annual deductible of USD 1,000 / EUR 1,000. The deductible shall be reduced with amounts corresponding to the cover specified in the valid list of reimbursement. The deductible shall apply per person per policy year.

6.4 The insurance shall not cover expenses for treatment of pre-existing, chronic or recurrent illnesses and disorders if the insured:

a) has been hospitalised within 6 months prior to each departure from the home country

b) has been treated by a physician (routine check-ups excepted) within 6 months prior to each departure from the home country

c) has had a change of medication within 6 months prior to each departure from the home country,

d) has not received medical treatment, has refused or given up treatment, even though the insured should know that the illness / disorder ought to be treated, or has deteriorated,

e) has reached a stated where any attempt of further treatment has been abandoned, or has been refused treatment,

f) is waiting to receive treatment, or has been referred to another place of treatment,

g) has omitted to go to pre-arranged controls

The insurance does not cover expenses for control, treatment and medicines in connection with stabilisation and regulation of a pre-existing, chronic or recurrent illness / disorder. The insurance does not cover a need for treatment which was expected before departure.

6.5 The insurance does not cover conditions which are defined by the Company's specialist doctors to be indisputably pre-existing.

6.6 Physicians and specialists performing the treatment must have authorisation in the country of practice. Furthermore, the method must be approved by the public health authorities in the country where the treatment takes place. Methods of treatment not yet approved by the public health authorities, but under scientific research, will only be covered if approved in advance by the Company's specialist doctors.

6.7 The Company has the right to demand that the insured be repatriated in order to receive treatment in the home country, if the Company's specialist doctors and the treating physician agree that treatment can be postponed until the insured has been transferred to his / her home country.

INDEX

1 - Acceptance of the insurance	8 - Exceptions for compensation
2 - Commencement date	9 - How to report a claim
3 - Who is covered by the insurance?	10 - Cover by third parties
4 - Where is cover provided?	11 - Payment of premium
5 - What is covered by the insurance?	12 - Necessary information to the company
	13 - Assignment, cancellation and expiry
7 - Medical evacuation	14 - Disputes, venue, etc

Choice of cover

You can choose between 2 different options, depending on how long you are staying in the Schengen area:

Schengen visa area - trips up to a maximum of 1 month

Schengen visa area - trips up to 3 months (within a 6 month period)

The benefits are the same for both options, only the period of cover and the premiums vary (click here to see the table of benefits).

Travel insurance for business trips (for all employees including board members, travelling spouses, children and guests for a combined company total of over 200 days a year)

Travel insurance for individuals travelling for pleasure, studies or business trips

Seguro de viaje para los negocios (la compañía decide quién puede ser cubierto, incluyendo los miembros del consejo directivo, esposas, hijos y invitados - con un mínimo global para toda la compañía de 200 días al año)

Seguro de viaje - particulares con cobertura mundial para todo tipo de viajes: de placer, de estudios o de negocios

Telephone	(+34) 91 8043802
Mobile	(+ 34) 609 522 300
Fax	(+ 34) 91 8032484
email	*saniprof@mail.ddnet.es*

Travel insurance for entry into the Schengen visa area... 15 countries;

Austria	Belgium	Denmark
Finland	France	Germany
Greece	Iceland	Italy
Luxembourg	Netherlands	Norway
Portugal	Spain	Sweden

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