Common use of Extended Coverage Clause in Contracts

Extended Coverage. How can you apply for extended coverage? a) answers to any questions they may ask regarding your eligibility; b) any other information requested in order to issue the insurance contract. You must pay the required premium when you make the application. People belonging to certain age groups who apply for extended coverage must answer an insurability questionnaire. The Insurer will advise these people in advance accordingly. They may be denied coverage if the Insurer considers their health risk to be unacceptable. They may also simply not be covered for certain health problems that the Insurer has refused to cover. Please read the Limitations for Pre-existing Medical Conditions or Injuries and the Limitations, Restrictions and Exclusions sections of these general conditions. You will thereby find out whether extended coverage may be limited due to your health. If you have any questions, talk to your physician or contact the Insurer, to be sure you have correctly answered the questions asked in the Limitations for Pre-Existing Medical Conditions or Injuries section and to find out whether your state of health could represent an unacceptable risk for the Insurer. To obtain extended coverage under the Emergency Health Care or Baggage coverage: a) Your application for extended coverage and the payment of the premium must be received by the Insurer prior to the date your insurance terminates. b) The extended coverage must be taken out to cover the entire remainder of your trip. c) The Insurer may, however, accept your application for extended coverage at the latest 24 hours following the termination date of your insurance, if you can show that you were unable to submit it sooner. After this period, no applications for extended coverage will be accepted. d) Additional condition for the Emergency Health Care coverage: You must be covered under a government health and hospitalization insurance plan for the entire duration of the trip and the extended coverage. You are automatically entitled to extended coverage of your insurance free of charge: a) If your return is delayed because the common carrier in which you are travelling as a paying passenger was delayed. The maximum extended coverage is 72 hours. b) If you are delayed because of a traffic accident or a mechanical breakdown of a vehicle aboard which you are travelling. The maximum extended coverage is 72 hours. c) If you are hospitalized and your insurance terminates while you are confined to a healthcare facility; the maximum extended coverage is 72 hours after you are discharged from healthcare facility. d) If you receive a living expense allowance and have to delay your return because of an illness or accident covered under your insurance. The extended coverage is limited to 72 hours after the last of the following periods have elapsed: • the living expense allowance payment period; or • the hospitalization period. e) If you have checked your insured property with a common carrier and delivery is delayed, your Baggage coverage continues until the common carrier returns your property to you.

Extended Coverage. How can you apply for extended coverage? a) answers to any questions they may ask regarding your eligibility; b) any other information requested in order to issue the insurance contract. You must pay the required premium when you make the application. People belonging to certain age groups who apply for extended coverage must answer an insurability questionnaire. The Insurer will advise these people in advance accordingly. They may be denied coverage if the Insurer considers their health risk to be unacceptable. They may also simply not be covered for certain health problems that the Insurer has refused to cover. Please read the Limitations for Pre-existing Medical Conditions or Injuries and the Limitations, Restrictions and Exclusions sections of these general conditions. You will thereby find fnd out whether extended coverage may be limited due to your health. If you have any questions, talk to your physician or contact the Insurer, to be sure you have correctly answered the questions asked in the Limitations for Pre-Existing Medical Conditions or Injuries section and to find fnd out whether your state of health could represent an unacceptable risk for the Insurer. To obtain extended coverage under the Emergency Health Care or Baggage coverage: a) Your application for extended coverage and the payment of the premium must be received by the Insurer prior to the date your insurance terminates. b) The extended coverage must be taken out to cover the entire remainder of your trip. c) The Insurer may, however, accept your application for extended coverage at the latest 24 hours following the termination date of your insurance, if you can show that you were unable to submit it sooner. After this period, no applications for extended coverage will be accepted. d) Additional condition for the Emergency Health Care coverage: You must be covered under a government health and hospitalization insurance plan for the entire duration of the trip and the extended coverage. You are automatically entitled to extended coverage of your insurance free of charge: a) If your return is delayed because the common carrier in which you are travelling as a paying passenger was delayed. The maximum extended coverage is 72 hours. b) If you are delayed because of a traffic traffc accident or a mechanical breakdown of a vehicle aboard which you are travelling. The maximum extended coverage is 72 hours. c) If you are hospitalized and your insurance terminates while you are confined confned to a healthcare facility; the maximum extended coverage is 72 hours after you are discharged from healthcare facility. d) If you receive a living expense allowance and have to delay your return because of an illness or accident covered under your insurance. The extended coverage is limited to 72 hours after the last of the following periods have elapsed: • the living expense allowance payment period; or • the hospitalization period. e) If you have checked your insured property with a common carrier and delivery is delayed, your Baggage coverage continues until the common carrier returns your property to you.

Extended Coverage. How how can you apply for extended coverage? a) answers to any questions they may ask regarding your eligibility; b) any other information requested in order to issue the insurance contract. You must pay the required premium when you make the application. People belonging to certain age groups who apply for extended coverage must answer an insurability questionnaire. The Insurer will advise these people in advance accordingly. They may be denied coverage if the Insurer considers their health risk to be unacceptable. They may also simply not be covered for certain health problems that the Insurer has refused to cover. Please read the Limitations for Pre-existing Medical medical Conditions or Injuries and the Limitations, Restrictions restrictions and Exclusions sections of these general conditions. You will thereby find out whether extended coverage may be limited due to your health. If you have any questions, talk to your physician or contact the Insurer, to be sure you have correctly answered the questions asked in the Limitations for Pre-Existing Medical medical Conditions or Injuries section and to find out whether your state of health could represent an unacceptable risk for the Insurer. To obtain extended coverage under the Emergency Health health Care or Baggage coverage: a) Your application for extended coverage and the payment of the premium must be received by the Insurer prior to the date your insurance terminates. b) The extended coverage must be taken out to cover the entire remainder of your trip. c) The Insurer may, however, accept your application for extended coverage at the latest 24 hours following the termination date of your insurance, if you can show that you were unable to submit it sooner. After this period, no applications for extended coverage will be accepted. d) Additional condition for the Emergency Health health Care coverage: You must be covered under a government health and hospitalization insurance plan for the entire duration of the trip and the extended coverage. You are automatically entitled to extended coverage of your insurance free of charge: a) If your return is delayed because the common carrier in which you are travelling as a paying passenger was delayed. The maximum extended coverage is 72 hours. b) If you are delayed because of a traffic accident or a mechanical breakdown of a vehicle aboard which you are travelling. The maximum extended coverage is 72 hours. c) If you are hospitalized and your insurance terminates while you are confined to a healthcare facility; the maximum extended coverage is 72 hours after you are discharged from healthcare facility. d) If you receive a living expense allowance and have to delay your return because of an illness or accident covered under your insurance. The extended coverage is limited to 72 hours after the last of the following periods have elapsed: • the living expense allowance payment period; or • the hospitalization period. e) If you have checked your insured property with a common carrier and delivery is delayed, your Baggage coverage continues until the common carrier returns your property to you.