INSURANCE CERTIFICATE

Policy number: EMI-002118657

Policy holder: BLUMINA d.o.o., Ulica bratov Babnik 10, 1000 Ljubljana
Insured: Karl Olov Åke Arnstberg, 24.09.1943, Gränsvägen 7, 826 37 Söderhamn,
SWEDEN

Type of insurance: Individual Emergency Health Insurance

Validity of insurance: 26.07.2025 00:00 - 25.07.2026 23:59
Sum Insured (per person): 25.000 EUR
Insurance place: Worldwide (except USA and Canada)
Number of insured: 1

Grand Total: 2.575,00 EUR

Conditions of Insurance: 01-EMI_9-2024
Additional clauses: NOT VALID IN SWEDEN.

In case you need our help, do not hesitate to contact us 24/7 on +386 1 519 20 20 or email us at coris@coris.si.

According to Article 44, Paragraph 1 of the VAT Act (Zzav-1), no VAT is charged. 8.5% insurance premium tax is included in the premium. The
General Terms&Conditions of Helvetia Global Solutions insurance together with this policy certificate constitute the insurance contract and were
delivered to the policyholder latest at the same time as this policy. In case of remote conclusion, the insurance contract is concluded when the
payment of the insurance premium has been made. By paying the premium, the policyholder agrees to be informed of the contents of the product,
which corresponds to his/her previously identified needs.

18.07.2025 12:10:32

Representant of the Ins. Co.: Insured:

BLUMINA d.o.o. (Nika Kofalt) Karl Olov Åke Arnstberg

Helvetia Global Solutions Ltd, Äulestrasse 60, 9490 Vaduz, Principality of Liechtenstein (Reg. No. FL-0002.191.766-9).
GENERAL TERMS AND CONDITIONS: 01-EMI_9-2024
Extended stay /Basic Accident & Health Emergency Cover

Article 1. INTRODUCTORY PROVISIONS

(A ) Introduction

The General Terms and Conditions of Extended stay emergency medical insurance with Assistance
Abroad (hereinafter: The Terms and Conditions) are an integral part of the Insurance Contract
concluded between the Policyholder and the Insurance Company. This Policy, the declarations made
during the application process, the Schedule, and any endorsements, set out the terms of this contract
between the Policyholder and the Insurer. The Insurer or the Representative of the Insurer may
refuse to conclude an Insurance Contract without giving any reason.

(B ) IMPORTANT: Please read all documents to make sure they provide the cover required; this Policy
is not intended to replace Private Medical Insurance.

Health conditions and obligations

This insurance is basically intended to offer cover for severe acute conditions. When applying for Basic
Accident & Health Emergency Cover, to potentially be entitled to the medical expenses benefit for
Urgent Medical Care or Treatment for an unexpected acute serious, life-threatening deterioration
of a chronic condition up to the limits specified in the Schedule, you must declare what chronic
conditions you have been diagnosed with.

If your health or any chronic illness is not stable, you must visit your treating physician before travelling
for appropriate stabilisation.

(C ) Definitions

The following terms contained in this Policy shall mean:

Abroad: The territory where the Insurance Company offers insurance cover the Insured in accordance
with the Insurance Contract. Abroad shall not be any country where the Insured has a permanent
residence.

Accident or accidental: A sudden unexpected, unforeseen, and identifiable incident which is external
to the body and occurs during the Period of insurance. (For the purpose of this policy, infections are
not included in this concept).

Act of Terrorism / Terrorist Attack: An Act of Terrorism shall be any act of violence or an act
endangering human life, movable or immovable property or infrastructure, with force, violence, or
threat, and which is performed for political, religious, ideological or similar intentions and which is
intended to affect or which affects the government of any country, and which is intended to raise fear
or which raises fear among the public or any of its parts. An Act of Terrorism shall be an act performed
independently or in connection with any organisation or authority.

Assistance: Aid in the event of a serious illness or a serious bodily injury while being abroad.

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Assistance Company: Assistance CORIS, d.o.o., Ul. bratov Babnik 10, 1000 Ljubljana, Slovenia (EU), who
is also a representative of the Insurance Company.

Beneficiary: The person who is entitled to the benefit, i.e., the payment or reimbursement of costs if
an insured event occurs.

Benefit: A sum paid by the Insurance Company to the Insured person, under the provisions of the
Insurance Contract.

Bone fracture: A break in the full thickness of a bone which is identified by an x-ray within a maximum
of 5 days from the date of injury. Hairline, fatigue or stress fracture are not included in this cover.

Cancer: First diagnosis of a malignant tumour positively diagnosed with histological confirmation and
characterised by the uncontrolled growth of malignant cells and invasion of tissue.

The term malignant tumour includes leukaemia, sarcoma, and lymphoma except cutaneous
lymphoma (lymphoma confined to the skin).

For the above definition, the following are not covered:

* All cancers which are histologically classified as any of the following:

- pre-malignant

- non-invasive

- cancer in situ

- having borderline malignancy, or

- having low malignant potential

* All tumours of the prostate unless histologically classified as having a Gleason score of 7 or above or
having progressed to at least TNM classification T2bN0M0.

* Chronic lymphocytic leukaemia unless histologically classified as having progressed to at least Binet
Stage A.

* Any skin cancer (including cutaneous lymphoma) other than malignant melanoma that has been
histologically classified as having caused invasion beyond the epidermis (outer layer of skin).

* All thyroid tumours unless histologically classified as having progressed to at least TNM classification
T2N0M0

Chronic condition: any medical condition, disease, illness, or injury which has one or more of the
following characteristics:

• it needs ongoing or long-term monitoring through consultations, examinations,

check-ups and/or tests

• it needs ongoing or long-term control or relief of symptoms

• it requires your rehabilitation or for you to be specially trained to cope with it

• it continues indefinitely

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• it has no known cure

• it comes back or is likely to come back.

Family member: Spouse, civil partner (non-marital partnerships must be officially registered at
common residence for at least 3 months before the conclusion of the Insurance Contract), parents,
brother, sister, son, daughter, adopted or fostered children of the Insured.

Home location/Homeland or country of residence: The country of the Insured´s permanent official
residency.

Hospital: Any establishment which is registered or licensed as a medical or surgical facility offering
adequate technical and human resources to provide medical care and treatment for injured and sick
people under the continuous supervision of medical practitioners 24/7.

Inpatient: a hospital patient who occupies a bed for at least one night in the course of treatment,
examination, or observation.

Insurance Company/Insurer: Helvetia Global Solutions Ltd., Äulestrasse 60, 9490 Vaduz, Principality
of Liechtenstein (Company Number: FL-0002.191.766-9)

Insurance Contract: The contract, which consists of the Policy and these Terms and Conditions, the
declarations made by the applicant, and the Schedule, and is concluded by and between the
Policyholder and the Insurance Company.

Insured event: A sudden, unexpected and unforeseeable event covered by this insurance occurring
during the period of insurance.

Insured person: any person whose risks are covered by these Terms and Conditions and named as such
in the Schedule.

Medical practitioner: A doctor or medical specialist who is legally qualified, licenced and registered to
practice medicine under the laws of the country in which they practice medicine, other than the
insured, an immediate family member or an employee of the Insured person.

Medically necessary: Health care services or supplies that may be justified as reasonable, necessary,
and/or appropriate based on evidence-based clinical standards of care to diagnose or treat a serious
bodily injury or a serious illness.

Outpatient: A patient who receives care or is treated at a hospital or clinic and leaves without
becoming an inpatient.

Period of insurance: The period between the Commencement date of the Policy commencing at 0.01
AM and the Expiry date, expiring at midnight, shown in the Schedule.

Policy: A document proving the conclusion of the insurance issued by the Insurance Company to the
Insured person who is travelling abroad.

Policyholder: The person who has concluded the Insurance Contract.

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Pre-existing medical condition: an illness or set of signs or symptoms that may or may not have been
diagnosed or treated yet, which started prior to the Insurance Contract commencement or before a
departure abroad.

Premium: A sum paid by the Policyholder to the Insurance Company under the Insurance Contract.

Schedule: a document including the particular conditions and specifications issued by the insurance
company, applicable to your insurance contract.

Serious bodily injury: The occurrence of severe physical injury during the period of insurance caused
solely by accidental means and independent of any other cause, that manifests itself by acute
symptoms of sufficient clinical significance (including pain) such that the absence of immediate
medical attention could reasonably be expected to result in: 1. placing the patient’s health in serious
jeopardy; 2. serious impairment to bodily function; or 3. serious dysfunction of any bodily organ or
part

Serious illness: The sudden and unexpected occurrence, during the period of insurance, of a severe
acute medical condition that manifests itself by acute symptoms of sufficient clinical significance
(including pain) such that the absence of immediate medical attention could reasonably be expected
to result in: 1. placing the patient’s health in serious jeopardy; 2. serious impairment to bodily
function; or 3. serious dysfunction of any bodily organ or part

Severe Health Condition of a family member: The occurrence of a serious bodily injury or a serious
illness, during the period of insurance, which requires medical or surgical treatment and requires the
family member to be hospitalised for at least 72 hours. This does expressly not include pre-existing
conditions.

Total and Permanent Disability refers to a disability, which:

1. is caused by a serious bodily injury resulting from an accident, and

2. occurs due to the said serious bodily injury, directly and independently of any other causes,
and

3.occurs within 183 days of the occurrence of such accident which triggered the disability, but
before the expiry of the cover, and

4.completely, continuously and permanently prevents the insured person from engaging in
any work, occupation or profession to earn or obtain any wages, compensation or profit, such
condition to persist for at least 365 days from the date of the accident

The loss of use both arms, or of both legs, or of one arm and one leg, or of both eyes, shall be
considered total and permanent disability, without prejudice to other causes of total and permanent
disability.

Urgent Medical Care or Treatment: Urgent care or treatment medically necessary to treat a serious
bodily injury or serious illness

Waiting Period: The period of time that you are unable to make a claim after the start date of your
insurance cover.

Article 2. INSURED PERSONS

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In individual insurance the Insured is the person stated in the Policy.

In family insurance the Insured are the persons who are stated in the Policy and who live in shared
household and are connected by family relationship: a spouse or partner from another legally
recognised type of relationship, their children, stepchildren or adoptees until the age of 26 years.

Under these Terms and Conditions, the Insured can only be persons until their fulfilled 60th year of
age. Persons older than 60 years may also be insured against additional premium payment.

A person without any contractual capability or a mentally ill person cannot be the Policyholder.

Article 3. PERIOD OF INSURANCE

Period of insurance is for a period of 6 months or 12 months as selected at application and specified
in the Schedule.

Article 4. PLACE OF INSURANCE APPLICATION

The insurance cover shall only apply abroad i.e., outside of the territory of the country where the
Insured member has a registered permanent residence.

Article 5. VALIDITY OF INSURANCE

The Insurance contract shall be concluded when the policy has been issued and all premiums paid.

If it has been agreed that the premium must be paid:

1.after the contract is concluded provided the premium has been paid, the liability of the
Insurance Company to pay the benefit stated in the contract shall start on the day stated in
the contract as the Insurance commencement date.

2.upon the conclusion of the contract and the premium has not been paid, the liability of the
Insurance Company to pay the benefit stated in the contract shall start at 00:00 hrs of the
next day when the premium is paid.

In the case of remote conclusion of the Insurance contract, the contract shall be concluded when the
premium has been paid, which the Policyholder proves with the premium payment receipt. Policy
Terms and Conditions must be read, understood and accepted. Signature of the Policy by the
Policyholder is not required.

Insurance must be taken out before the Insured departs abroad. If the Insured is abroad when the
Insurance Contract is being concluded, the insurance cover under these Terms and Conditions shall
only take effect after a waiting period of 8 full days upon the conclusion of the insurance contract.

For the coverage of Urgent Medical Care or Treatment of acute deteriorations of chronic conditions,
only those conditions declared during the application process will be covered and up to the limit
specified in the Benefit table and the Schedule.

Article 6. SCOPE OF COVER

(A) Assistance call centre services

• the availability of the Assistance call centre 24/7, year-round,

• the arrangement of Urgent Medical Care,

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 • the arrangement of urgent medical transportation for the Insured,

• informing the Insured and his/her family members,

• telephone charges for calling the Assistance Company’s call centre.

(B) Cover descriptions

The following occurrences will be covered in accordance with the Terms and Conditions of this Policy
if arisen during the Period of Insurance:

I. Medical expenses of insured members requiring any of the following, up to the limits specified
below, in the Benefit table and the Schedule for:

1) Urgent Medical Care or Treatment in a Hospital Accident & Emergency (A&E) department
and/or hospital inpatient facilities, medically necessary for diagnosis and treatment of a
serious bodily injury or an acute serious illness, first occurred during the period of insurance.

2) Outpatient medical visit: reasonable and customary professional fees for outpatient medical
visits. This does expressly not include diagnosis tests.

3) Urgent Medical Care or Treatment in a Hospital Accident & Emergency (A&E) department
and/or hospital facilities, medically necessary for diagnosis and treatment of an unexpected
acute serious, life-threatening deterioration of a previously declared stable chronic
condition, requiring hospitalisation as an inpatient, and up to up to the specific limit.

4) Urgent Medical Care or Treatment in a Hospital Accident & Emergency (A&E) department
and/or hospital facilities, medically necessary for diagnosis and treatment of mental health
disorders requiring immediate psychiatric treatment and hospitalisation as an inpatient, and
up to the specified limit.

5) Maternity: miscarriage, premature birth, and medical costs in cases of saving mother’s or
child’s life before 37th week of pregnancy.

6) Emergency dental treatment: costs of urgent dental treatment which is necessary for
suppressing acute pain due to illness or fresh injury of teeth, including tooth extraction are
covered.

7) Emergency/Urgent Medical Care or Treatment in a Hospital Accident & Emergency (A&E)

department and/or hospital inpatient facilities, for diagnosis and treatment of a serious
bodily injury or an acute serious illness for children under 1 year old is offered for members
under Plan Insurance +. Claims related to congenital conditions are not included.

II. Lump sum indemnity for insured members suffering from any of the following as defined in the
corresponding clause, up to the limits specified in the Benefit table, Schedule and below, for:

8) Bone fracture once evidenced by radiological imaging (X-Ray) tests and reported in writing by
a medical specialist, the Insurance Company will pay a lump sum as specified in the Benefit
Table.
9) Cancer following a period of 3 months after Policy inception date.
10) Accidental TPD - total permanent disability-: when fulfilling all criteria specified in the
definition, cover will be considered once medical specialist evidence and documentation from

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 the home location has confirmed total permanent disability without any expectation of
recovery, dated at least 12 months from the Accident.
11) Accidental death: If, while staying abroad, the Insured dies due to an Accident, the Insurance
Company will pay the benefit to the Insured’s heir/heiress. The insurance coverage for
accidental death of the Insured shall not apply if the Insured is less than 14 years old when
the insured event occurs, thereby excluding from insurance all obligations attaching to the
Insurance Company in relation thereof.

III. Transportation and repatriation for insured members requiring any of the following, up to the
limits specified in the Benefit table, Schedule and below for:
12) Transportation to the nearest Hospital: Costs of urgent transport of the Insured to the
nearest hospital abroad are covered.
13) Transportation to Home country: Costs of transporting the sick or injured Insured to
his/her Homeland if permitted by the Insured’s health condition are covered according to prior
consent of the Assistance Company, if the Insured should for health reasons be unable to
return to his/her Homeland in the way as originally planned.
14) Return in case of a Severe Health Condition or death of a family member: the cost of
arranging the return to the Homeland is covered in case of a family member’s Severe Health
Condition or death. The cost of changing the scheduled flight or a return regular flight
(economy class) is covered, provided that the rescheduling is not possible.
15) Repatriation of mortal remains: Costs of transporting the Insured’s mortal remains to
his/her Homeland are covered.
IV. Other cover

16) Terrorism cover: If, while staying abroad the Insured is injured due to a terrorist attack
the Insurance Company will pay for any Urgent Medical Care or Treatment required up to the
sum insured included in the insurance Benefit Table. No cover is provided if the Insured is
travelling to a specific country or an area where, prior to the trip commencing, an official
government body has advised against travel. No cover is provided under this section in the
following countries: Afghanistan, DR of Congo, Iraq, Iran, Israel (west bank and Gaza), Libya,
Nigeria, Somalia, Sudan, Syria and Yemen.

(C). Benefit Table & limits (Please note the definitions and specifications for each concept)

The limits below mean the total maximum amount the insurance will pay per concept and Policy:

Coverage specifics Basic Insurance Insurance +

I) MEDICAL EXPENSES
1) Hospital A&E and inpatient Emergency Medical € 25 000 € 50 000 € 100 000
Care and Treatment
2) Outpatient medical visit - annual € 200 € 500 € 1 000
Outpatient medical visit – 180 days € 100 € 250 € 500
3) Serious acute deterioration of chronic condition € 1 000 € 2 000 € 3 000
4) Mental health € 500 € 1 000 € 1 500

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 5) Maternity no cover € 1 000 € 2 000
6) Emergency dental treatment € 100 € 200 € 300
7) Medical cover for children under 1 year old no cover no cover € 10 000
II) LUMP SUM INDEMNITIES
8) Bone fracture (*) no cover 100/500€ 100/500€
9) Cancer no cover no cover € 3 000
10) Accidental TPD - total permanent disability- no cover € 10.000 € 50 000
11) Accidental death no cover no cover € 20 000
III) TRANSPORTATION-REPATRIATION
12) Transportation to the nearest hospital € 25 000 € 50 000 € 100 000
13) Transportation to Home country € 10 000 € 20 000 € 30 000
14) Return in case of death of a family member no cover 1 ticket 1 ticket
15) Repatriation of mortal remains € 25 000 € 50 000 € 100 000
IV OTHER COVER
16) Terrorism cover no cover Included Included

(*) The indemnity amount for bone fractures is €100 for fingers, toes and nose bones and € 500 for any
other bone fracture, per person, per policy.

Article 7. GENERAL EXCLUSIONS

(A) The obligations attaching to the Insurance Company shall be fully excluded if an event has
occurred as a result of:

1) deterioration of Pre-existing Medical Conditions, chronic or recurring illnesses for which the
Insured has already received treatment before the commencement of this Policy, or which
have occurred and were not entirely stable and treated before the commencement of
insurance or before the departure abroad, with the exception for acute serious, life-
threatening deteriorations of a previously declared chronic condition requiring Urgent
Medical Care or Treatment in a Hospital.
2) the Insured’s active serving in the armed forces;
3) the Insured’s active engagement in war (whether declared or undeclared), invasion, act of a
foreign enemy, hostility, civil war, rebellion, riot, revolution, public assembly, rally or
insurrection;
4) the Insured’s suicide or attempted suicide;
5) events which are in any way connected with the Insured’s conscious self-inflicted injuries or
disease, reckless behaviour, abuse of alcohol or drugs or other prohibited substances, or with
self-exposure to unnecessary risk (except in case of trying to save a human life);
6) the Insured driving motor vehicles without holding appropriate official permits and not
following all safety instructions such as speed limits, wearing a seat belt or a helmet;
7) the Insured intentionally committing a criminal offence;
8) events related to any participation in the use, release or threats of using any kind of nuclear
weapon, devices, chemical or biological substances, as well as claims for costs, which have in
any way been incurred by or contributed by Acts of Terrorism (except as provided for under
Article 6, point (B). IV. 16) of these General Terms and Conditions), war, rebellions or riots;
9) radioactive radiation, epidemic, pandemic.

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(B) The insurance shall also not offer assistance or cover the costs for events occurred as a result of:
1) training or participation in:
» any motor competitions as well as when driving on race courses and the
relevant trainings and recreational activities
» sports aviation, parachuting, hang-gliding and gliding
» mountain climbing
» speleology (caving)

2) and/or recreational participation in:

» mountaineering and trekking above 3,000 meters above sea level, unless
specifically agreed in the insurance Policy
» diving and underwater fishing, unless specifically agreed in the insurance
Policy
» kiting (kitesurfing, kiteboarding), unless specifically agreed in the insurance
Policy
» in skiing and snowboarding outside of ski centres or heliskiing, unless
specifically agreed in the insurance Policy
» free climbing, unless specifically agreed in the insurance Policy
» downhill cycling, unless specifically agreed in the insurance Policy
»other sports competitions, unless specifically agreed in the insurance Policy.

3) the participation in an extreme sport or an activity in direct connection with a

particularly dangerous activity, if it poses a risk that strongly exceeds an ordinary
risk when being abroad

4) expeditions to the yet unreached or unexplored areas

5) telephone charges except emergency calls to the Assistance Company

6) loss or event which is not specified as covered by insurance in these General

Terms and Conditions

7) a Bodily injury, serious illness, disease, death, loss, costs or any other necessity
related with the HIV virus (Human Immunodeficiency Virus) or AIDS (Acquired
Immune Deficiency Syndrome) or any other similar syndrome, regardless of its
name, unless the Insured gets infected during a medical examination, test or
treatment (however only if this is not connected with drug abuse or sexually
transmitted diseases).

(C ) The Insurance Company shall not cover costs in the following cases:

1) if the Insured does not follow other instructions for asserting his/her rights from
health insurance in case of illness or Accident
2) if on the Insurance Company’s request, the Insured does not submit the requested
medical evidence or does not allow medical examination by a doctor nominated by
the Insurance Company or its representatives
3) for the services offered by any service provider who is not a contractual partner of
the Assistance Company or for whom the Assistance Company did not guarantee,
and for the services rendered without authorization and/ or participation or
approval of the Assistance Company

9
 4) if they are a consequence of any kind of air transportation of the Insured, unless the
Insured travelled as a passenger who paid the transportation fee
5) if they are a consequence of the fact that the Insured did not do everything in his/her
power to prevent the loss, damage, injuries, bodily injuries or diseases related to
him/herself
6) which the Insured would have to pay even if the event in which the Assistance Company
intervened did not occur.

(D) All obligations of the Insurance Company will be excluded if the Policyholder or the Insured
provides false data about the duration of a journey abroad, about the circumstances of an injury
or the type of disease, non-disclosure of any material fact, as well as in the event of fraud or
forgery.
(E) The Assistance Company cannot be demanded to ensure services to the Insured who it
believes is in an area where there is risk of war, political or other circumstances, which might
prevent such services or make it justifiably impossible to implement such services.
(F) The Insurance Company shall not cover costs for any claims incurred during the Waiting
Period.

Article 8. SPECIAL EXCLUSIONS

(A) In addition to the general exclusions, the following special exclusions shall apply for the
insurance covers, which refer to Emergency dental treatment, Hospital A&E and inpatient
Emergency Medical Care and Treatment, Outpatient medical visit, Serious acute
deterioration of chronic condition, Mental health, Maternity, Medical cover for children
under 1 year old, Accidental death, Bone fracture, Cancer, Accidental Total Permanent
Disability, Transportation to the nearest hospital or clinic and back and return to the
Homeland; such special exclusions refer to the following treatments, items, conditions,
activities or costs related to or arising from them:

1) claims related to consequences of excessive consumption of alcohol, drug abuse, etc. If such
facts are established subsequently, the Insurance Company reserves the right to recourse for
all the expenses that have already been paid by the Insurance Company based on such
claims.
2) Any type of diagnosis tests or procedures taking place before or after hospitalization and
medical expenses related to specialised diagnostic tests, care or treatment of any type of
cancer or malignant condition; repeated dislocations and sprains and the treatment of
injuries which have occurred before the commencement of the health insurance or before
the departure abroad
3) dental services and the costs for definitive treatment to correct underlying dental problems,
other than Emergency dental treatment
4) transportation for problems that can be treated at the scene of the loss event.
5) treatment offered by a person travelling with the Insured
6) sexually transmitted diseases.
7) standard pregnancy controlling and delivery such as regular check-ups during pregnancy,
typical nuisances in the time of pregnancy, giving birth after the 37th week of pregnancy
except in cases of saving mother´s or child´s life; or anything related to artificial insemination
controlling and the termination of pregnancy
8) costs related to congenital conditions of any type

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 9) special hospital services – higher standard, such as a single room, TV, special
accommodation, etc.
10) surgeries or treatments that can be postponed without any consequences to the time of
return to the Insured’s country of permanent residence
11) claims that occur after the end of the stay abroad
12) costs of optical accessories, except if occurred as a result of medical emergency
13) treatment performed by a doctor without an officially recognized license
14) costs resulting from treatment which is not evidenced with a medical report
15) the cost of transportation, provided that the attending doctor believes the Insured to be in
a medical condition that enables him/her to return to the country of his/her permanent
residence as originally planned.
16) accidents at work provided that this is not separately agreed in the Policy
17) mental or behavioural disorders, except as stated in Cover descriptions Article 6. B. I. 4).
18) events that took place while departing abroad despite being advised not to travel abroad by
the doctor
19) events that occurred while staying abroad where the Insured went in order to get medical
treatment or nursing care
20) events connected with any cosmetic surgery intended for corrections of the appearance
21) Any Bone Fracture resulting from any event referred to under General exclusion section.

(B) In addition to the general exclusions, the following special exclusions shall apply for Bone fracture
benefit, no benefit shall be paid for costs arising from: osteoporosis, boxing and martial arts, extreme
sports, moto sports, off path mountain biking and downhill, rock climbing or abseiling, horse riding,
playing sport as professional, taking part in any kind of competition.

Article 9. RISK CIRCUMSTANCES

(A) Prior to concluding as well as throughout the duration of the insurance contract, the
Policyholder shall be obliged to report to the representative any circumstances which are important
to assess the risk, including a health declaration, and which he/she was aware of or could not prevent
being unaware of. The circumstances important to assess the risk are in particular the circumstances
known to the Policyholder and based on which the premium has been determined and accounted
for, as well as those, which are stated in the insurance contract. The Policyholder and the Insurance
Company may determine such circumstances together.

(B) The Policyholder shall provide all relevant information to the representative to enable the
Insurance Company an overview and assessment of risk.

Article 10. OBLIGATIONS ATTACHING TO THE INSURED AFTER THE INSURED EVENT

(A) After the occurrence of an insured event, the Insured shall immediately do everything in
his/her power to any prevent further loss by following the instructions of the Assistance Company
and trying to limit the costs to the best of his/her knowledge.

(B) The Insured shall inform the Assistance Company about all accidents, procedures or any
other events that could result in the occurrence of an insured event within three days after the day
when he/she has become aware of it. Failure to comply with the obligations mentioned in article 10

11
may result in a delay in the payment of the claim/compensation and the insured’s liability for any
damages incurred by the Insurance company. Claims should be notified only to:

Assistance CORIS d.o.o.

Ulica bratov Babnik 10, 1000 Ljubljana, Slovenia

Telephone (24hr): +386 1 519 2020

Fascimile: +386 1 5191698

Email: coris@coris.si

(C) The Insured must present to the Assistance Company all the data and other evidence he/she
disposes with, and which are urgent to establish the cause, volume and the amount of damage, the
arrangement of assistance and any other documents serving as evidence, on request of the
Assistance Company. In any case, the Insured shall observe the instructions received from the
Assistance Company or its representatives. The Insured shall keep and submit all the original
invoices, certificates, official medical records justifying the urgent nature of treatment, tickets,
contracts, toll charges, toll tunnel charges, credit card payment receipts and any additional
documents on request of the Assistance Company.

(D) The Insured shall submit all the certificates, information, consents, official translations and
evidence required by the Assistance Company at his/ her cost. The Insured shall complete and send
the benefit payment form to the Assistance Company within 30 days after the cost was incurred.
The deadline can be extended based on previous consent of the Assistance Company if the
accompanying documentation is not available in due time. All the submitted documents related to
the occurrence of the insured event must be originals.

(E) The Insured’s failure to fulfil his/her liabilities referred to in this Article within the agreed
period of time may result in the Insurance Company’s refusal to pay the benefit, if such failure makes
the Insurance Company unable to establish the occurrence of the insured event.

(F) If the Insured fails to report the occurrence of the insured event at his/her fault in the time
and the way as determined herein, he/she shall reimburse the Insurance Company for any loss it
might have suffered in respect thereof.

(G) If the Insured did not use the medical assistance and paid the Urgent Medical Care or
Treatment himself/herself, the Insurance Company shall reimburse him/her for the costs in
accordance with Article 6 herein, upon presenting the required documentation.

(H) The Insurer reserves the right to request all medical evidence reasonably necessary to
investigate and approve claims, including independent medical examinations.

Article 11. OBLIGATIONS ATTACHING TO THE INSURANCE COMPANY AFTER THE INSURED EVENT

(A) Where it is not clear that a condition is a Chronic Condition and we have paid for its Treatment,
that does not mean that we will continue paying when we have more information which, in our
reasonable view, confirms that it is a Chronic Condition. You can ask us if a condition is covered.
When you are receiving In-patient Treatment, in making our decision on whether your condition

12
 is, or has become, a Chronic Condition, we will consider the period of days during which there has
been no change in your clinical condition or change in your Treatment.

(B) In case the insured event occurs, the Insurance Company shall pay the benefit within fourteen
days starting from the date when it has received the entire documentation based on which it is able
to establish the basis and the amount of the claim. If the sum of its liability is not established within
this period, the Insurance Company shall pay, on the Insured’s or Beneficiary’s request, the
incontestable part of its liability in form of advance payment.

(C) Upon each insured event, the Insurance Company shall pay the established loss in full at the
official rates of exchange of the European Central Bank (ECB) on the benefit payment date, however
not exceeding the amount stated in the insurance cover chart at the end of these Terms and
Conditions.

(D) The previous provision of this Article shall not apply if the Insured presents a document
proving the actual amount of loss in € on the insurance event occurrence date.

(E) Notwithstanding paragraph 11 (A), if civil or criminal proceedings are in course regarding an
insured event, the Insurance Company shall be entitled to object the maturities of its charges until
such proceedings are resolved. In cases when the Insurance Company covers claims of several Insured
persons with a single insurance sum and such sum is enough to cover the claims, the Insurance
Company shall pay pro rata amounts of benefit to the Insured persons, so that the sum of the paid
amounts does not exceed the sum insured.

Article 12. RIGHTS ATTACHING TO THE INSURANCE COMPANY

(A) In the event of an accident caused by a third party, the Insurance Company shall have the
right to the collect from such third party the costs that the Insurance Company already paid to the
Insured.

(B) The Insurance Company reserves the right to the refund of all the costs incurred in the event
it is subsequently established that the insured event has resulted from events stated in Article 7 or 8
herein.

Article 13. PREMIUM PAYMENT AND CONSEQUENCES OF DEFAULT

(A) The Policyholder shall pay the premium or the first instalment for the first policy year upon
the conclusion of the insurance contract. Payment upon the conclusion of the contract shall also
include payment executed by the maturity date such as specified in the claim document. In such case,
the insurance cover shall take effect on the date and hour determined as insurance inception. If the
premium (or the first instalment) is not fully paid by the maturity date specified in the claim document,
the insurance cover shall take effect the day following the date when full payment is made. In case of
long-term insurance contracts, the Policyholder shall pay the premiums for the subsequent policy
years (or the first instalment in the next policy year) on the first day of every subsequent policy year.
If not agreed otherwise, the dynamics of payment for the subsequent policy years shall be the same
as in the first policy year.

(B) If it is agreed for the premium to be paid in instalments or retroactively, regular interest may
be charged on the amount of premium for which the deferment of payment has been agreed. If an
instalment is not paid by the maturity date, the Insurance Company shall have the right to charge
legal default interest and to demand immediate payment of all non-past due instalments.

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(C) If the premium is paid at a post office or bank, the date of payment shall be the day when the
payment order was submitted at a post office or bank. If the reference is not clearly stated on the
payment order, thus making it impossible to see which premium or which instalment of premium and
which type of insurance contract is being paid for, it shall be considered that the default premium or
the instalment of premium, which is the oldest by the maturity date, is being paid for, regardless of
the type of insurance contract, which has been concluded with the Insurance Company.

(D) If a premium discount was agreed according to the agreed time of insurance, and the
insurance terminated before the end of this time, the Insurance Company may collect the difference
up to the premium which should be paid by the Policyholder were the contract concluded only for the
period of time, which it actually lasted for.

(E) In case the insurance contract ends because of a default premium, the Policyholder shall pay
the premium for the time until the contract termination date of the contract or the total premium for
the current policy year, if the insured event for which the Insurance Company must pay the benefit
has occurred by the termination date of the contract validity. The Policyholder shall also return the
discount on the premium, which was awarded to him/her for the agreed duration of insurance, as
determined in the previous paragraph.

(F) The Insurance Company has the right to deduct from the benefit all past due and default
premiums of the current policy year as well as other default liabilities the Policyholder has to the
Insurance Company from previous years.

(G) The liability of the Insurance Company to pay the benefit shall terminate if the Policyholder
has not paid, by the maturity date, the premium which fell due after the conclusion of the contract,
and if no interested party has done this after thirty days from the date when the Policyholder was
served the registered letter of the Insurance Company with the notice on the premium maturity,
whereby this period cannot end before the end of thirty days from the maturity of the premium.

(H) After the end of the deadline referred to in the seventh paragraph of this Article, the Insurance
Company may rescind the insurance contract without notice period, if the Policyholder is in default
with the payment of the premium which must be paid after the conclusion of the contract or the
second and subsequent premiums; the rescission of the contract shall take effect at the end of the
deadline referred to in the seventh paragraph of this Article and with the end of the insurance cover,
provided that the Policyholder was informed about this in the registered letter with the notice on the
maturity of the premium and on the end of the insurance cover.

(I) If, in cases when the Insurance Company has not rescinded the insurance contract, the
Policyholder pays the premium after the end of the deadline referred to in the seventh paragraph of
this Article within one year after the maturity of the premium, the Insurance Company shall be obliged,
in case the insured event occurs, to pay the benefit from 24:00 hrs after the premium and default
interest have been paid. If the Policyholder does not pay the premium within this period of time, the
insurance contract will end with the end of the policy year.

(J) Legally determined duties (charges, taxes, etc.) are charged on the premium. If charges
change during the term of the insurance or if new charges, tax rates or taxes are imposed during the
term of the insurance, such changes will affect the amount of the premium.

Article 14. INSURANCE CONTRACT CANCELLATION AND PREMIUM RETURN

(A) The Policyholder may cancel the insurance contract only as a result of illness, injury or death
of the insured person or an immediate family member, as long as this occurs before the insurance

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commencement date. The insurance contract cannot be cancelled after the start of the insurance
cover.

(B) In the event of the insurance contract cancellation, the Insurance Company reserves up to
15% of the premium for its administration costs and shall return 85% of the paid premium. If the
insurance duration is not specified in the contract or if it is specified with the possibility of extending
the contract for the same period of time, each party may rescind the contract on the premium
maturity date, provided that he/she has informed the other party about this a minimum of three (3)
months before the maturity of the premium.

(C) In the event of a distance insurance contract (concluded online, via telephone, etc.), which
has been concluded for a period longer than 30 days, the Policyholder may cancel the contract,
however not later than 15 days after the conclusion of the contract. In this case, the Insurance
Company will return the total amount of the paid premium. The cancellation must be made in writing
and submitted to representative of the Insurance Company by the end of the deadline, whereby it
shall be considered that the cancellation has been filed in time if it was sent by registered mail by the
end of the deadline. Under this paragraph, the Policyholder shall not have the right to cancel the
contract in case of insurance contracts valid less than one month.

(D) To notify a cancellation you should write to:

Assistance CORIS d.o.o.

Ulica Bratov

Babnik 10 1000 Ljubljana, Slovenia

Email: coris@coris.si

Article 15. COMPLAINTS AND OUT-OF-COURT REDRESS PROCEDURES

The Insurer and its representative strive for the satisfaction of the Insured and for the correct
treatment of the Insurance cases. For cases where dissatisfaction or a disagreement arises in
connection with an insurance contract, the Insured is guaranteed the possibility of registering a
complaint or of appealing in out-of-court redress procedure.

Any complaint may be submitted orally to phone number + 386 1 5192020 or in writing to:

Assistance CORIS d.o.o.,

Ul. bratov Babnik 10, 1000 Ljubljana, Slovenia (EU)

or by e-mail to coris@coris.si.

Complaints are handled by the competent service in accordance with the Rules governing the internal
complaints procedure. The insured person receives a written response in the shortest possible time,
but no later than within 30 calendar days from the date when the Assistance Company received the
complaint.

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In case of disagreement with the decision of the Complaints Commission of the Assistance Company,
the Insured can submit a complaint to the Financial Market Authority Liechtenstein, Landstrasse 109,
Postfach 279, 9490 Vaduz, Principality of Liechtenstein.

Furthermore, the Insured can submit a request for out-of-court redress to the Financial Services
Conciliation Board of the Principality of Liechtenstein (info@schlichtungsstelle.li).

The complaints and out-of-court redress procedures stated above are without prejudice to the
Insured's right to initiate judicial proceedings.

Article 16. CHANGES TO INSURANCE CONTRACT

(A) Should the Insurance Company change the insurance Terms and Conditions or the premium
rating system, it must inform the Policyholder about the change in writing or in another appropriate
way at least 60 days prior to the end of the current policy year.

(B) The Policyholder has the right to cancel the insurance contract within 60 days after having
received the notice. The contract shall be terminated when the current policy year ends.

(C) Should the Policyholder not cancel the insurance contract, the contract will be changed in
compliance with the new terms and conditions of insurance or the premium rating system as of the
beginning of the following year.

(D) The Insurance Company reserves the right to correct any calculation or other mistakes made
by the agent; the Policyholder must be informed in writing about any such correction. The
Policyholder shall have the right to rescind the insurance contract within 15 days from the receipt of
notice, provided that he/she does not agree with the corrections (changes to the insurance contract
by the Insurance Company), whereby the rescission has a prospective effect. If the Policyholder does
not rescind the insurance contract within this period of time, it shall be considered that he/she agrees
with these corrections/changes, therefore the insurance contract shall apply from the end of this
period onwards with the corrections (changes to the insurance contract by the Insurance Company).

Article 17. METHOD OF NOTIFICATION

(A) Agreements as regards the content of the Insurance contract shall be valid only if concluded
in writing.

(B) Any notices and statements that must be provided under the provisions of the insurance
contract must be made in writing.

(C) A notice or statement shall be deemed to be timely if it is sent by registered mail prior to the
end of the deadline.

(D) A statement which must be made to the other party shall become effective only when the
other party has received it.

Article 18. CHANGE OF ADDRESS AND SERVICE

(A) The Policyholder must inform the representative about a change of his/her address of
residence or the seat or his/her name or company name within 15 days from the day of change.

(B) Should the Policyholder change his/her address of residence or his/her name or company
name and should he/she fail to communicate it in writing to representative, it shall be enough that

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representative sends the notice, which it must communicate to the Policyholder, to the address of
the Policyholder’s last known address or seat, or to address it to the name or company name last
known to it.

(C) If the attempt of servicing a registered notice to the Policyholder was unsuccessful (due to
having moved, refusing to accept the notice, etc.), the Insurance Company shall consider the returned
mail as being served and it will keep it at the seat of the Insurance Company. The Policyholder agrees
that such notice is considered as having been received on the date of the first attempt of serving it
and that it is considered that the Policyholder is familiar with the content of the notice.

(D) The assumption of successful servicing from the previous paragraph hereof has legally valid
effects on the basis of the contractual agreement with the Policyholder.

Article 19. PRIVACY AND DATA PROTECTION NOTICE

(A) DATA PROTECTION

Helvetia Global Solutions Ltd. and Assistance CORIS d.o.o (both Data Controllers) are committed to
protecting and respecting your privacy in accordance with the current Data Protection Legislation
(“Legislation”).

Contacts:

Helvetia Global Solution Ltd.,

Äulestrasse 60

9490 Vaduz,

Principality of Liechtenstein

Assistance CORIS d.o.o.

Ulica bratov Babnik 10,

1000 Ljubljana, Slovenia

(B) HOW WE USE YOUR INFORMATION

We may use the personal data we hold about you in the following ways:

• For the purposes of providing insurance, handling claims and any other related purposes. This
may include underwriting decisions made via automated means – this is for the performance of the
insurance contract between you and us.

• For offering renewal, research or statistical purposes – this is for our legitimate interests: for
us to analyse historic activity, to improve our rating algorithms and to help predict future business
impact. To further our commercial interests, to enhance our product offering and to develop new
systems and processes.

• To provide you with information, products or services that you request from us or which we
feel may interest you - where you have consented to be contacted for such purposes.

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• To notify you about changes to our service – this is for our legal and regulatory obligations.

• To safeguard against fraud and financial crime and to meet general legal or regulatory
obligations - this is for our legal and regulatory obligations.

Sensitive (Special) Personal Data (such as information relating to health), may be required by us for
the specific purposes of underwriting and fraud detection, or as part of the claims handling process.
The provision of such data is conditional for us to be able to provide insurance or manage a claim and,
whilst you can withdraw your consent for us to process such data, this may result in us not being able
to continue cover, or to process any claims. Where such data is provided to us, it will only be used for
the purposes set out above and will be treated securely and in line with this notice.

(C) SANCTION POLICY

As part of the acceptance process for this insurance we are obliged by law to perform a sanction check,
this insurance is accepted in principle at the point of sale. For such purposes data will be sent to
Helvetia Global Solution Ltd. We will perform the sanction check within 7 business days and if after 7
days you did not hear from us this insurance contract is final. We reserve the right to suspend or cancel
this Policy in case of a sanction hit.

Notwithstanding any other terms under this agreement, no insurer shall be deemed to provide
coverage or will make any payments or provide any service or benefit to any insured or other party to
the extent that such cover, payment, service, benefit and/or any business or activity of the insured
would violate any applicable trade or economic sanctions law or regulation.

(D) DISCLOSURE OF YOUR PERSONAL DATA

We may disclose your personal data to third parties involved in providing products or services to us,
or to service providers who perform services on our behalf. These include:

1) Our group companies

2) Affinity partners
3) Brokers, agents, third party administrators, reinsurers
4) Other insurance intermediaries
5) Credit agencies
6) Medical service providers
7) Fraud detection agencies
8) Loss adjusters
9) External law firms
10) External auditors
11) Regulatory authorities; and
12) As may be required by law.

We may also disclose your personal information:

a) In the event that we sell or buy any business or assets, in which case we may disclose your
personal data to the prospective seller or buyer of such business or assets.

b) If any Helvetia Global Solution Ltd. company or substantially all of its assets are acquired by a
third party, in which case personal data held by it about its customers will be one of the transferred
assets.

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c) To protect the rights, property, or safety of Helvetia Global Solution Ltd., our customers, or
others.

For more details please visit: https://www.helvetia.com/content/dam/os/ch/web/documents/about-

us/privacy/en/data-protection-annex-insurance-business.pdf.

(E ) INTERNATIONAL TRANSFERS OF DATA

We may transfer your personal data to destinations outside the European Economic Area (“EEA”).
Where we transfer your personal data outside of the EEA, we will ensure that it is treated securely,
and in accordance with this privacy notice and the Legislation. We only transfer data to countries
deemed as having adequate protection by the European Commission or, where there is no adequacy
decision, we use the European Commission approved ‘Standard Contractual Clauses’ with such parties
to protect the data.

(F) YOUR RIGHTS

You have the right to:

a) Ask us not to process your data for marketing purposes.

b) See a copy of the personal information we hold about you.

c) Ask us to delete any of your personal data (subject to certain exemptions).

d) Have any inaccurate or misleading data corrected or deleted.

e) Ask us to provide a copy of your data to any controller.

f) Lodge a complaint with the local data protection authority.

For access to your personal data please write to:

Helvetia Insurance
Data protection
St.Alban Analge 26
4002 Basel (Switzerland)

(G) MARKETING

Where you have provided consent, we may share personal data that you provide to us within the
Helvetia Group of Companies and with other companies that we establish commercial links with. They
and we may contact you (by mail, e-mail, telephone, text, or other agreed means) in order to tell you
about products, services or offers that we believe will be of interest to you, or to provide you with
commercial updates.

(H) RETENTION

Your data will not be retained for longer than is necessary and will be managed in accordance with
our data retention policy. In most cases the retention period will be for a period of ten (10) years
following the expiry of the insurance contract, or our business relationship with you, unless we are
required to retain the data for a longer period due to business, legal or regulatory requirements.

Article 20. SETTLEMENT OF DISPUTES

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It is agreed that this Insurance will be governed exclusively by the law and practice of Slovenia, and
any disputes arising under, out of or in connection with this Insurance will be exclusively subject to
the jurisdiction of any competent court in Slovenia. The Insurance Company hereby agrees that all
summonses, notices or processes requiring to be served upon it for the purpose of instituting any legal
proceedings against them in connection with this Insurance will be properly served if addressed to it
and delivered to it care of:

Assistance CORIS d.o.o.

Ulica bratov Babnik 10, 1000 Ljubljana, Slovenia

Email: coris@coris.si

who in this instance, has authority to accept service on its behalf.

The Insurance Company by giving the above authority does not renounce its right to any special delays
or periods of time to which it may be entitled for the service of any such summonses, notices or
processes by reason of its residence or domicile in Liechtenstein.

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