Common use of / EXCLUSIONS OF COVER Clause in Contracts

/ EXCLUSIONS OF COVER. In addition to the exclusions provided for in the Terms and Conditions, the Insurer’s cover cannot be requested in the following cases: - An atypical pneumonia or severe acute respiratory syndrome (SARS, COVID), avian influenza or the A-H1N1 flu, as well as any pandemic or epidemic recognised by national or international health organisations, - When damage or accidents result from the use of a two-wheeled motorised land vehicle, a jet ski or a snow scooter, - Damage constituting harm to the environment by natural elements such as air, water, fauna and flora, the use of which is common to all, as well as damage to the associated aesthetics or enjoyment, - Pre-existing convalescences, conditions and pathologies or those currently under treatment, - The consequences of serious bodily injuries occurring before the insured’s start date of cover, - Psychological, mental or depressive illnesses, - Benign affectations or lesions which can be treated on the spot and do not prevent the continuation of the stay or journey, - The costs of thermal, slimming or rejuvenation treatments or any other convenience or aesthetic treatment, physiotherapist fees, the costs of vaccination, prostheses, devices, glasses or contact lenses, implants, - Pregnancy from the 32nd week, - Trips undertaken for the purposes of diagnosis and/or treatment, - The costs incurred after returning from the trip or when the cover has expired, - The costs incurred without agreement from the Insurer, - Telephone costs other than for communicating to the Insurer, - The taxis costs incurred without agreement from the Insurer, - Pregnancy-related events: childbirth, caesarean, newborn care, elective abortion, - Pre-existing illnesses or injuries diagnosed and/or treated, having been hospitalised in the 6 months prior to the trip, - The costs resulting from care or treatment that was not the result of a medical emergency, - The costs resulting from care or treatment of a therapeutic nature not recognised by French legislation, - Medical expenses in the insured’s country of residence with the exception of cover for medical expenses in France, valid for French residents. IN THE EVENT OF A LOSS WHAT ARE YOUR OBLIGATIONS IN THE EVENT OF A LOSS? TRIP INTERRUPTION OR CANCELLATION IN THE EVENT OF A LACK OF OR EXCESS SNOW

/ EXCLUSIONS OF COVER. In addition to the exclusions provided for in the Terms and Conditions, the Insurer’s cover cannot be requested in the following cases: - An atypical pneumonia or severe acute respiratory syndrome (SARS, COVID), avian influenza or the A-H1N1 flu, as well as any pandemic or epidemic recognised by national or international health organisations, - When damage or accidents result from the use of a two-wheeled motorised land vehicle, a jet ski or a snow scooter, - Damage constituting harm to the environment by natural elements such as air, water, fauna and flora, the use of which is common to all, as well as damage to the associated aesthetics or enjoyment, - Pre-existing convalescences, conditions and pathologies or those currently under treatment, - The consequences of serious bodily injuries occurring before the insured’s start date of cover, - Psychological, mental or depressive illnesses, - Benign affectations or lesions which can be treated on the spot and do not prevent the continuation of the stay or journey, - The costs of thermal, slimming or rejuvenation treatments or any other convenience or aesthetic treatment, physiotherapist fees, the costs of vaccination, prostheses, devices, glasses or contact lenses, implants, - Pregnancy from the 32nd week, - Trips undertaken for the purposes of diagnosis and/or treatment, - The costs incurred after returning from the trip or when the cover has expired, - The costs incurred without agreement from the Insurer, - Telephone costs other than for communicating to the Insurer, - The taxis costs incurred without agreement from the Insurer, - Pregnancy-related events: childbirth, caesarean, newborn care, elective abortion, - Pre-existing illnesses or injuries diagnosed and/or treated, having been hospitalised in the 6 months prior to the trip, - The costs resulting from care or treatment that was not the result of a medical emergency, - The costs resulting from care or treatment of a therapeutic nature not recognised by French legislation, - Medical expenses in the insured’s country of residence with the exception of cover for medical expenses in France, valid for French residents. 9. IN REIMBURSEMENT TO THE EVENT OF A LOSS WHAT ARE YOUR OBLIGATIONS IN THE EVENT OF A LOSS? TRIP INTERRUPTION OR CANCELLATION IN THE EVENT OF A LACK OF OR EXCESS SNOWPROPERTY OWNER

/ EXCLUSIONS OF COVER. In addition to the exclusions provided for in the Terms and Conditions, the Insurer’s cover cannot be requested in the following cases: - An atypical pneumonia or severe acute respiratory syndrome (SARS, COVID), avian influenza or the A-H1N1 flu, as well as any pandemic or epidemic recognised by national or international health organisations, - When damage or accidents result from the use of a two-wheeled motorised land vehicle, a jet ski or a snow scooter, - Damage constituting harm to the environment by natural elements such as air, water, fauna and flora, the use of which is common to all, as well as damage to the associated aesthetics or enjoyment, - Pre-existing convalescences, conditions and pathologies or those currently under treatment, - The consequences of serious bodily injuries occurring before the insured’s start date of cover, - Psychological, mental or depressive illnesses, - Benign affectations or lesions which can be treated on the spot and do not prevent the continuation of the stay or journey, - The costs of thermal, slimming or rejuvenation treatments or any other convenience or aesthetic treatment, physiotherapist fees, the costs of vaccination, prostheses, devices, glasses or contact lenses, implants, - Pregnancy from the 32nd week, - Trips undertaken for the purposes of diagnosis and/or treatment, - The costs incurred after returning from the trip or when the cover has expired, - The costs incurred without agreement from the Insurer, - Telephone costs other than for communicating to the Insurer, - The taxis costs incurred without agreement from the Insurer, - Pregnancy-related events: childbirth, caesarean, newborn care, elective abortion, - Pre-existing illnesses or injuries diagnosed and/or treated, having been hospitalised in the 6 months prior to the trip, - The costs resulting from care or treatment that was not the result of a medical emergency, - The costs resulting from care or treatment of a therapeutic nature not recognised by French legislation, - Medical expenses in the insured’s country of residence with the exception of cover for medical expenses in France, valid for French residents. IN THE EVENT OF A LOSS WHAT ARE YOUR OBLIGATIONS IN THE EVENT OF A LOSS? TRIP INTERRUPTION OR CANCELLATION IN THE EVENT OF A LACK OF OR EXCESS SNOW,