Common use of WHAT WE EXCLUDE Clause in Contracts

WHAT WE EXCLUDE. The Cancellation cover does not cover the impossibility of leaving linked to border closures, the physical organisation, accommodation conditions or safety of the destination. Apart from the exclusions appearing in the section “WHICH GENERAL EXCLUSIONS APPLY TO ALL OUR COVERS?, the following are also excluded: • Any event, illness or accident that has already been noted, relapse, aggravation or hospitalisation between the date of purchase of the stay and the date the insurance policy was taken out, • Any circumstance detrimental enjoyment, to mere • Pregnancy and in all circumstances, voluntary termination of pregnancy, childbirth, in vitro fertilisation and their consequences, together with the complications due to the state of pregnancy beyond the 28th week, • Forgotten vaccination, • Default of any kind, including financial, of the carrier making it impossible to fulfil its contractual obligations, • Too little or too much snow, • Any medical event of a mental, psychological or psychiatric nature, and which has not given rise to hospitalisation for more than three consecutive days after taking out this policy, • Pollution, local health situation and natural disasters covered by the procedure referred to in Law 82-600 of 13 July 1982 as well as their

WHAT WE EXCLUDE. The Cancellation cover does not cover the impossibility of leaving linked to border closures, the physical organisation, accommodation conditions or safety of the destination. Apart from the exclusions appearing in the section “WHICH GENERAL EXCLUSIONS APPLY TO ALL OUR COVERS?, the following are also excluded: • Any event, illness or accident that has already been noted, relapse, aggravation or hospitalisation between the date of purchase of the stay and the date the insurance policy was taken out, • Any circumstance detrimental to mere enjoyment, to mere • Pregnancy and in all circumstances, voluntary termination of pregnancy, childbirth, in vitro fertilisation and their consequences, together with the complications due to the state of pregnancy beyond the 28th week, • Forgotten vaccination, • Default of any kind, including financial, of the carrier making it impossible to fulfil its contractual obligations, • Too little or too much snow, • Any medical event of a mental, psychological or psychiatric nature, and which has not given rise to hospitalisation for more than three consecutive days after taking out this policy, • Pollution, local health situation and natural disasters covered by the procedure referred to in Law 82-600 of 13 July 1982 as well as their

WHAT WE EXCLUDE. The Cancellation cover does not cover the impossibility of leaving linked to border closures, the physical organisation, accommodation conditions or safety of the destination. Apart from the exclusions appearing in the section “WHICH GENERAL EXCLUSIONS APPLY TO ALL OUR COVERS?, the following are also excluded: • Any event, illness or accident that has already been noted, relapse, aggravation or hospitalisation between the date of purchase of the stay and the date the insurance policy was taken out, • Any circumstance detrimental to mere enjoyment, to mere • Pregnancy and in all circumstances, voluntary termination of pregnancy, childbirth, in vitro fertilisation and their consequences, together with the complications due to the state of pregnancy beyond the 28th week, • Forgotten vaccination, • Default of any kind, including financial, of the carrier making it impossible to fulfil its contractual obligations, • Too little or too much snow, • Any medical event of a mental, psychological or psychiatric nature, and which has not given rise to hospitalisation for more than three consecutive days after taking out this policy, • Pollution, local health situation and natural disasters covered by the procedure referred to in Law 82-600 of 13 July 1982 as well as their,

WHAT WE EXCLUDE. The Cancellation cover does not cover the impossibility of leaving linked to border closures, the physical organisation, accommodation conditions or safety of the destination. Apart from the exclusions appearing in the section “WHICH GENERAL EXCLUSIONS APPLY TO ALL OUR COVERS?, the following are also excluded: •  Any event, illness or accident that has already been noted, relapse, aggravation or hospitalisation between the date of purchase of the stay and the date the insurance policy was taken out, •  Any circumstance detrimental to mere enjoyment, to mere •  Pregnancy and in all circumstances, voluntary termination of pregnancy, childbirth, in vitro fertilisation and their consequences, together with the complications due to the state of pregnancy beyond the 28th week, •  Forgotten vaccination, •  Default of any kind, including financial, of the carrier making it impossible to fulfil its contractual obligations, •  Too little or too much snow, •  Any medical event of a mental, psychological or psychiatric nature, and which has not given rise to hospitalisation for more than three consecutive days after taking out this policy, •  Pollution, local health situation and natural disasters covered by the procedure referred to in Law 82-600 of 13 July 1982 as well as their

WHAT WE EXCLUDE. The Cancellation cover does not cover the impossibility of leaving linked to border closures, the physical organisation, accommodation conditions or safety of the destination. Apart from the exclusions appearing in the section “WHICH GENERAL EXCLUSIONS APPLY TO ALL OUR COVERS?, the following are also excluded: •  Any event, illness or accident that has already been noted, relapse, aggravation or hospitalisation between the date of purchase of the stay and the date the insurance policy was taken out, •  Any circumstance detrimental enjoyment, to mere •  Pregnancy and in all circumstances, voluntary termination of pregnancy, childbirth, in vitro fertilisation and their consequences, together with the complications due to the state of pregnancy beyond the 28th week, •  Forgotten vaccination, •  Default of any kind, including financial, of the carrier making it impossible to fulfil its contractual obligations, •  Too little or too much snow, •  Any medical event of a mental, psychological or psychiatric nature, and which has not given rise to hospitalisation for more than three consecutive days after taking out this policy, •  Pollution, local health situation and natural disasters covered by the procedure referred to in Law 82-600 of 13 July 1982 as well as their