Common use of WHAT WE EXCLUDE Clause in Contracts

WHAT WE EXCLUDE. The Cancellation guarantee does not cover the impossibility of leaving linked to the material organization, accommodation conditions or security of the destination. In addition to the exclusions common to all guarantees, the following are also excluded:  Any event, illness or accident that has already been observed, relapse, aggravation or hospitalization between the date of purchase of your stay and the date of subscription of the insurance contract,  Any circumstance that is only a mere inconvenience,  Pregnancy, including its complications beyond the 28th week and, in all cases, voluntary termination of pregnancy, childbirth, in vitro fertilization and their consequences,  Forgotten vaccination,  Default of any kind, including financial, of the carrier making it impossible to fulfil its contractual obligations,  The lack or excess of snow,  Any medical event for which the diagnosis, symptoms or the cause thereof are of a mental, psychological or psychiatric nature, and which has not given rise to hospitalization for more than 3 consecutive days after subscribing this Contract,  Pollution, local health situation, natural disasters covered by the procedure referred to in Law No. 82.600 of 13 July 1982 as well as their consequences, meteorological or climatic events,  The consequences of criminal proceedings to which you are subject,  Any other event occurring between the date of subscription of the insurance contract and the date of departure for your trip  Any event occurring between the date of purchase of the trip and the date of purchase of the insurance contract.  The absence of hazard,  An intentional and/or reprehensible act under the law, the consequences of alcoholic states and the consumption of drugs, any narcotic substance mentioned in the Public Health Code, drugs and treatments not prescribed by a doctor,  Due to the simple fact that the geographical destination of the trip is not recommended by the French Ministry of Foreign Affairs,  Due to an act of negligence on your part,  Any event for which the responsibility could fall to the travel agency in application of the Tourism Code in effect,  Failure to present, for any reason whatsoever, documents essential to the stay, such as passport, identification card, visa, travel documents, vaccination record, except in case of theft within the 48 hours preceding departure of the departure of the passport or identity card, TELE-CONSULTATION BEFORE DEPARTURE For any request for information and useful information for the organization and smooth running of your trip, you can contact us before your trip 24 hours/day; 7 days/week. The information concerns the following areas. Health information: Health, Hygiene, Vaccination, Precautions to be taken, Main hospitals, Advice for women, Time difference, Traveling with animals. Our doctors are also available for any information you may need in the event of a trip taking place during an epidemic or pandemic. The information is communicated by telephone and is not the subject of a written confirmation or sending of documents. Information services are provided between 8:00 a.m. and 7:00 p.m. and within time frames normally necessary to satisfy the request. However, regardless of the time of the call, we welcome and note your requests as well as your contact details in order to call you back to provide you with the expected answers. REPATRIATION OR MEDICAL TRANSPORT: You are injured or suffer from an illness, including in the context of an epidemic or a pandemic, during a covered trip. We organize and take care of your repatriation to your home or to a hospital near you. Only medical requirements are taken into account to determine the date of repatriation, the choice of means of transport or place of hospitalization. The repatriation decision is taken by our medical consultant, after consulting the occasional doctor and possibly the family doctor. During your repatriation, and on recommendation from our medical consultant, we organize and pay for the transport of a person to be by your side. Any refusal of the solution offered by our medical team will render the personal assistance guarantee null and void. RETURN IMPOSSIBLE: Your flight has been canceled following measures to restrict the movement of populations in the event of an epidemic or pandemic taken by the local government or the airlines. If you are required to extend your stay, we will organize and cover the hotel costs (room and breakfast) as well as those of your beneficiary family members or an insured companion, up to the amount indicated in the Table of Guarantees. We organize and cover your repatriation to your home, within the limit indicated in the Table of Guarantees. HOTEL COSTS FOLLOWING PLACEMENT INTO QUARANTINE If you are required to extend your stay following your placement into quarantine, we will organize and cover the hotel costs (room and breakfast) as well as those of your beneficiary family members or an insured companion, up to the amount indicated in the Table of Guarantees. MEDICAL EXPENSES (OUTSIDE COUNTRY OF RESIDENCE) When medical costs (including in the event of illness contracted in the context of an epidemic or pandemic) have been incurred with our prior approval, we will reimburse you for the part of these costs which have not been covered by the insurance organizations with which you are affiliated. We only intervene once the reimbursements have been made by the aforementioned insurance organizations, after application of a deductible, the amount of which is indicated in the table of guarantees, and subject to communication of original proof of reimbursement from your insurance organization. This reimbursement covers the costs defined below, provided that they relate to care received by you outside your country of residence as a result of an illness or accident occurring outside your country of residence. In this case, we will reimburse the amount of the costs incurred up to the maximum amount indicated in the Table of Guarantees. In the event that the insurance organization to which you contribute does not cover the medical costs incurred, we will reimburse the costs incurred within the limit of the amount indicated in the Table of Guarantees, subject to you providing the original invoices for medical costs and the certificate of non- reimbursement from the insurance organization. This service ceases from the day that we are able to complete your repatriation. Nature of the costs granting the right to reimbursement (subject to prior approval):  medical fees,  cost of medication prescribed by a doctor or surgeon,  ambulance costs prescribed by a doctor for transport to the nearest hospital and only in the event of refusal of coverage by the insurance organizations,  hospitalization costs provided that you are deemed not fit for transport by decision of the Assistance doctors, taken after collecting information from the local doctor (hospitalization costs incurred from the day we are able to repatriate you are not covered),  emergency dental expenses (capped at the amount indicated in the Table of Guarantees, without application of deductible). EXTENSION OF THE BENEFIT: ADVANCE OF HOSPITALIZATION EXPENSES (OUTSIDE COUNTRY OF RESIDENCE) We may, within the limit of the coverage provided for above, advance the hospital costs that you must incur outside your country of residence, under the following cumulative conditions:  MUTUAIDE ASSISTANCE doctors must judge, after collecting information from the local doctor, that it is impossible to repatriate you immediately to your country of residence.  the care to which the advance applies must be prescribed in agreement with the doctors of MUTUAIDE ASSISTANCE.  you or any person authorized by you must formally commit by signing a specific document, provided by MUTUAIDE ASSISTANCE at the time of implementation of this service:  to initiate the procedures to cover the costs with the insurance organizations within 15 days following the date of dispatch of the elements necessary for these procedures by MUTUAIDE ASSISTANCE,  to reimburse MUTUAIDE ASSISTANCE for the sums received in this respect from the insurance organizations within the week following receipt of these sums. Only expenses not covered by the insurance organizations will be covered by us and within the limit of the amount specified for the “medical expenses” benefit. You must provide us with the certificate of non-cover from these insurance organizations within a week of receipt. In order to preserve our subsequent rights, we reserve the right to ask you or your beneficiaries for a letter of commitment committing you to take the steps with social organizations and reimburse us for the sums collected. Should you fail to have completed the procedures for coverage with the insurance organizations within the allotted time, or if you fail to provide MUTUAIDE ASSISTANCE the certificate of non-cover from these insurance organizations within the allotted time, under no circumstances will you be able to take advantage of the “medical expenses” benefit and you will have to reimburse all of the hospitalization costs advanced by MUTUAIDE ASSISTANCE, which will initiate, if necessary, any useful recovery procedure, the cost of which will be your responsibility.

WHAT WE EXCLUDE. The Cancellation guarantee does not cover the impossibility of leaving linked to the material organization, accommodation conditions or security of the destination. In addition to the exclusions common to all guarantees, the following are also excluded:  • Any event, illness or accident that has already been observed, relapse, aggravation or hospitalization between the date of purchase of your stay and the date of subscription of the insurance contract,  • Any circumstance that is only a mere inconvenience,  • Pregnancy, including its complications beyond the 28th week and, in all cases, voluntary termination of pregnancy, childbirth, in vitro fertilization and their consequences,  • Forgotten vaccination,  • Default of any kind, including financial, of the carrier making it impossible to fulfil its contractual obligations,  • The lack or excess of snow,  • Any medical event for which the diagnosis, symptoms or the cause thereof are of a mental, psychological or psychiatric nature, and which has not given rise to hospitalization for more than 3 consecutive days after subscribing this Contract,  • Pollution, local health situation, natural disasters covered by the procedure referred to in Law No. 82.600 of 13 July 1982 as well as their consequences, meteorological or climatic events,  • The consequences of criminal proceedings to which you are subject,  • Any other event occurring between the date of subscription of the insurance contract and the date of departure for your trip  • Any event occurring between the date of purchase of the trip and the date of purchase of the insurance contract.  • The absence of hazard,  • An intentional and/or reprehensible act under the law, the consequences of alcoholic states and the consumption of drugs, any narcotic substance mentioned in the Public Health Code, drugs and treatments not prescribed by a doctor,  • Due to the simple fact that the geographical destination of the trip is not recommended by the French Ministry of Foreign Affairs,  • Due to an act of negligence on your part,  • Any event for which the responsibility could fall to the travel agency in application of the Tourism Code in effect,  • Failure to present, for any reason whatsoever, documents essential to the stay, such as passport, identification card, visa, travel documents, vaccination record, except in case of theft within the 48 hours preceding departure of the departure of the passport or identity card, TELE-CONSULTATION BEFORE DEPARTURE For any request for information and useful information for the organization and smooth running of your trip, you can contact us before your trip 24 hours/day; 7 days/week. The information concerns the following areas. Health information: Health, Hygiene, Vaccination, Precautions to be taken, Main hospitals, Advice for women, Time difference, Traveling with animals. Our doctors are also available for any information you may need in the event of a trip taking place during an epidemic or pandemic. The information is communicated by telephone and is not the subject of a written confirmation or sending of documents. Information services are provided between 8:00 a.m. and 7:00 p.m. and within time frames normally necessary to satisfy the request. However, regardless of the time of the call, we welcome and note your requests as well as your contact details in order to call you back to provide you with the expected answers. REPATRIATION OR MEDICAL TRANSPORT: You are injured or suffer from an illness, including in the context of an epidemic or a pandemic, during a covered trip. We organize and take care of your repatriation to your home or to a hospital near you. Only medical requirements are taken into account to determine the date of repatriation, the choice of means of transport or place of hospitalization. The repatriation decision is taken by our medical consultant, after consulting the occasional doctor and possibly the family doctor. During your repatriation, and on recommendation from our medical consultant, we organize and pay for the transport of a person to be by your side. Any refusal of the solution offered by our medical team will render the personal assistance guarantee null and void. RETURN IMPOSSIBLE: Your flight has been canceled following measures to restrict the movement of populations in the event of an epidemic or pandemic taken by the local government or the airlines. If you are required to extend your stay, we will organize and cover the hotel costs (room and breakfast) as well as those of your beneficiary family members or an insured companion, up to the amount indicated in the Table of Guarantees. We organize and cover your repatriation to your home, within the limit indicated in the Table of Guarantees. HOTEL COSTS FOLLOWING PLACEMENT INTO QUARANTINE If you are required to extend your stay following your placement into quarantine, we will organize and cover the hotel costs (room and breakfast) as well as those of your beneficiary family members or an insured companion, up to the amount indicated in the Table of Guarantees. MEDICAL EXPENSES (OUTSIDE COUNTRY OF RESIDENCE) When medical costs (including in the event of illness contracted in the context of an epidemic or pandemic) have been incurred with our prior approval, we will reimburse you for the part of these costs which have not been covered by the insurance organizations with which you are affiliated. We only intervene once the reimbursements have been made by the aforementioned insurance organizations, after application of a deductible, the amount of which is indicated in the table of guarantees, and subject to communication of original proof of reimbursement from your insurance organization. This reimbursement covers the costs defined below, provided that they relate to care received by you outside your country of residence as a result of an illness or accident occurring outside your country of residence. In this case, we will reimburse the amount of the costs incurred up to the maximum amount indicated in the Table of Guarantees. In the event that the insurance organization to which you contribute does not cover the medical costs incurred, we will reimburse the costs incurred within the limit of the amount indicated in the Table of Guarantees, subject to you providing the original invoices for medical costs and the certificate of non- reimbursement from the insurance organization. This service ceases from the day that we are able to complete your repatriation. Nature of the costs granting the right to reimbursement (subject to prior approval):  ⮚ medical fees,  ⮚ cost of medication prescribed by a doctor or surgeon,  ⮚ ambulance costs prescribed by a doctor for transport to the nearest hospital and only in the event of refusal of coverage by the insurance organizations,  ⮚ hospitalization costs provided that you are deemed not fit for transport by decision of the Assistance doctors, taken after collecting information from the local doctor (hospitalization costs incurred from the day we are able to repatriate you are not covered),  ⮚ emergency dental expenses (capped at the amount indicated in the Table of Guarantees, without application of deductible). EXTENSION OF THE BENEFIT: ADVANCE OF HOSPITALIZATION EXPENSES (OUTSIDE COUNTRY OF RESIDENCE) We may, within the limit of the coverage provided for above, advance the hospital costs that you must incur outside your country of residence, under the following cumulative conditions:  • MUTUAIDE ASSISTANCE doctors must judge, after collecting information from the local doctor, that it is impossible to repatriate you immediately to your country of residence.  • the care to which the advance applies must be prescribed in agreement with the doctors of MUTUAIDE ASSISTANCE.  • you or any person authorized by you must formally commit by signing a specific document, provided by MUTUAIDE ASSISTANCE at the time of implementation of this service:  ⮚ to initiate the procedures to cover the costs with the insurance organizations within 15 days following the date of dispatch of the elements necessary for these procedures by MUTUAIDE ASSISTANCE,  ⮚ to reimburse MUTUAIDE ASSISTANCE for the sums received in this respect from the insurance organizations within the week following receipt of these sums. Only expenses not covered by the insurance organizations will be covered by us and within the limit of the amount specified for the “medical expenses” benefit. You must provide us with the certificate of non-cover from these insurance organizations within a week of receipt. In order to preserve our subsequent rights, we reserve the right to ask you or your beneficiaries for a letter of commitment committing you to take the steps with social organizations and reimburse us for the sums collected. Should you fail to have completed the procedures for coverage with the insurance organizations within the allotted time, or if you fail to provide MUTUAIDE ASSISTANCE the certificate of non-cover from these insurance organizations within the allotted time, under no circumstances will you be able to take advantage of the “medical expenses” benefit and you will have to reimburse all of the hospitalization costs advanced by MUTUAIDE ASSISTANCE, which will initiate, if necessary, any useful recovery procedure, the cost of which will be your responsibility.

WHAT WE EXCLUDE. The Cancellation guarantee does not cover the impossibility of leaving linked to border closures, to the material organization, accommodation conditions or security of the destination. In addition to the exclusions common to all guarantees, the following are also excluded:  Any event, illness or accident that has already been observed, relapse, aggravation or hospitalization between the date of purchase of your stay and the date of subscription of the insurance contract,  Any circumstance that is only a mere inconvenience,  Pregnancy, including its complications beyond the 28th week and, in all cases, voluntary termination of pregnancy, childbirth, in vitro fertilization and their consequences,  Forgotten vaccination,  Default of any kind, including financial, of the carrier making it impossible to fulfil its contractual obligations,  The lack or excess of snow,  Any medical event for which the diagnosis, symptoms or the cause thereof are of a mental, psychological or psychiatric nature, and which has not given rise to hospitalization for more than 3 consecutive days after subscribing this Contract,  Pollution, local health situation, natural disasters covered by the procedure referred to in Law No. 82.600 of 13 July 1982 as well as their consequences, meteorological or climatic events,  The consequences of criminal proceedings to which you are subject,  Any other event occurring between the date of subscription of the insurance contract and the date of departure for your trip  Any event occurring between the date of purchase of the trip and the date of purchase of the insurance contract.  The absence of hazard,  An intentional and/or reprehensible act under the law, the consequences of alcoholic states and the consumption of drugs, any narcotic substance mentioned in the Public Health Code, drugs and treatments not prescribed by a doctor,  Due to the simple fact that the geographical destination of the trip is not recommended by the French Ministry of Foreign Affairs,  Due to an act of negligence on your part,  Any event for which the responsibility could fall to the travel agency in application of the Tourism Code in effect,  Failure to present, for any reason whatsoever, documents essential to the stay, such as passport, identification card, visa, travel documents, vaccination record, except in case of theft within the 48 hours preceding departure of the departure of the passport or identity card, TELE-CONSULTATION BEFORE DEPARTURE For any request for information and useful information for the organization and smooth running of your trip, you can contact us before your trip 24 hours/day; 7 days/week. The information concerns the following areas. Health information: Health, Hygiene, Vaccination, Precautions to be taken, Main hospitals, Advice for women, Time difference, Traveling with animals. Our doctors are also available for any information you may need in the event of a trip taking place during an epidemic or pandemic. The information is communicated by telephone and is not the subject of a written confirmation or sending of documents. Information services are provided between 8:00 a.m. and 7:00 p.m. and within time frames normally necessary to satisfy the request. However, regardless of the time of the call, we welcome and note your requests as well as your contact details in order to call you back to provide you with the expected answers. REPATRIATION OR MEDICAL TRANSPORT: You are injured or suffer from an illness, including in the context of an epidemic or a pandemic, during a covered trip. We organize and take care of your repatriation to your home or to a hospital near you. Only medical requirements are taken into account to determine the date of repatriation, the choice of means of transport or place of hospitalization. The repatriation decision is taken by our medical consultant, after consulting the occasional doctor and possibly the family doctor. During your repatriation, and on recommendation from our medical consultant, we organize and pay for the transport of a person to be by your side. Any refusal of the solution offered by our medical team will render the personal assistance guarantee null and void. RETURN IMPOSSIBLE: Your flight has been canceled following measures to restrict the movement of populations in the event of an epidemic or pandemic taken by the local government or the airlines. If you are required to extend your stay, we will organize and cover the hotel costs (room and breakfast) as well as those of your beneficiary family members or an insured companion, up to the amount indicated in the Table of Guarantees. We organize and cover your repatriation to your home, within the limit indicated in the Table of Guarantees. HOTEL COSTS FOLLOWING PLACEMENT INTO QUARANTINE If you are required to extend your stay following your placement into quarantine, we will organize and cover the hotel costs (room and breakfast) as well as those of your beneficiary family members or an insured companion, up to the amount indicated in the Table of Guarantees. MEDICAL EXPENSES (OUTSIDE COUNTRY OF RESIDENCE) When medical costs (including in the event of illness contracted in the context of an epidemic or pandemic) have been incurred with our prior approval, we will reimburse you for the part of these costs which have not been covered by the insurance organizations with which you are affiliated. We only intervene once the reimbursements have been made by the aforementioned insurance organizations, after application of a deductible, the amount of which is indicated in the table of guarantees, and subject to communication of original proof of reimbursement from your insurance organization. This reimbursement covers the costs defined below, provided that they relate to care received by you outside your country of residence as a result of an illness or accident occurring outside your country of residence. In this case, we will reimburse the amount of the costs incurred up to the maximum amount indicated in the Table of Guarantees. In the event that the insurance organization to which you contribute does not cover the medical costs incurred, we will reimburse the costs incurred within the limit of the amount indicated in the Table of Guarantees, subject to you providing the original invoices for medical costs and the certificate of non- reimbursement from the insurance organization. This service ceases from the day that we are able to complete your repatriation. Nature of the costs granting the right to reimbursement (subject to prior approval):  medical fees,  cost of medication prescribed by a doctor or surgeon,  ambulance costs prescribed by a doctor for transport to the nearest hospital and only in the event of refusal of coverage by the insurance organizations,  hospitalization costs provided that you are deemed not fit for transport by decision of the Assistance doctors, taken after collecting information from the local doctor (hospitalization costs incurred from the day we are able to repatriate you are not covered),  emergency dental expenses (capped at the amount indicated in the Table of Guarantees, without application of deductible). EXTENSION OF THE BENEFIT: ADVANCE OF HOSPITALIZATION EXPENSES (OUTSIDE COUNTRY OF RESIDENCE) We may, within the limit of the coverage provided for above, advance the hospital costs that you must incur outside your country of residence, under the following cumulative conditions:  MUTUAIDE ASSISTANCE doctors must judge, after collecting information from the local doctor, that it is impossible to repatriate you immediately to your country of residence.  the care to which the advance applies must be prescribed in agreement with the doctors of MUTUAIDE ASSISTANCE.  you or any person authorized by you must formally commit by signing a specific document, provided by MUTUAIDE ASSISTANCE at the time of implementation of this service:  to initiate the procedures to cover the costs with the insurance organizations within 15 days following the date of dispatch of the elements necessary for these procedures by MUTUAIDE ASSISTANCE,  to reimburse MUTUAIDE ASSISTANCE for the sums received in this respect from the insurance organizations within the week following receipt of these sums. Only expenses not covered by the insurance organizations will be covered by us and within the limit of the amount specified for the “medical expenses” benefit. You must provide us with the certificate of non-cover from these insurance organizations within a week of receipt. In order to preserve our subsequent rights, we reserve the right to ask you or your beneficiaries for a letter of commitment committing you to take the steps with social organizations and reimburse us for the sums collected. Should you fail to have completed the procedures for coverage with the insurance organizations within the allotted time, or if you fail to provide MUTUAIDE ASSISTANCE the certificate of non-cover from these insurance organizations within the allotted time, under no circumstances will you be able to take advantage of the “medical expenses” benefit and you will have to reimburse all of the hospitalization costs advanced by MUTUAIDE ASSISTANCE, which will initiate, if necessary, any useful recovery procedure, the cost of which will be your responsibility.,

WHAT WE EXCLUDE. The Cancellation guarantee does not cover the impossibility of leaving linked to the material organization, accommodation conditions or security of the destination. In addition to the exclusions common to all guarantees, appearing in the following are also excludedsection “WHAT ARE THE GENERAL EXCLUSIONS APPLICABLE TO ALL OF OUR COVER PACKAGES? we cannot intervene if the cancellation results from:  Any eventsickness requiring psychiatric or psychotherapeutic treatment, illness including nervous breakdowns not having required hospitalisation for at least 3 days at the time of cancellation of the trip/travel  forgetting to be vaccinated  Complications due to pregnancy occurring after the 6th month of pregnancy and under all circumstances pregnancy, abortion, childbirth, in vitro fertilisations and their consequences  non-presentation of identity card or passport, regardless of the reason  diseases or accident that has already been observedare established for the first time, relapseor that are the subject of relapse or worsening, aggravation or hospitalization of hospitalisation between the date of purchase of your stay trip or travel and the date of subscription the insurance contract was taken out  strikes and action taken by agents of the insurance contractorganiser of the trip and/or the subscriber, and/or having started before the effective date of the contract or for which public notice had been given before this date  Any circumstance that is only a mere inconvenience,  Pregnancy, including its complications beyond the 28th week and, in all cases, voluntary termination of pregnancy, childbirth, in vitro fertilization and their consequences,  Forgotten vaccination,  Default defaulting of any kind, including financial, of the carrier making it impossible to fulfil its contractual obligations,  The lack or excess of snow,  Any medical event for which the diagnosis, symptoms or the cause thereof are of a mental, psychological or psychiatric nature, and which has not given rise to hospitalization for more than 3 consecutive days after subscribing this Contract,  Pollution, local health situation, natural disasters covered by the procedure referred to in Law No. 82.600 of 13 July 1982 as well as their consequences, meteorological or climatic events,  The consequences of criminal proceedings to which you are subject,  Any other event occurring between the date of subscription of the insurance contract and the date of departure for your trip  Any event occurring between the date of purchase of the trip and the date of purchase of the insurance contract.  The absence of hazard,  An intentional and/or reprehensible act under the law, the consequences of alcoholic states and the consumption of drugs, any narcotic substance mentioned in the Public Health Code, drugs and treatments not prescribed by a doctor,  Due to the simple fact that the geographical destination of the trip is not recommended by the French Ministry of Foreign Affairs,  Due to an act of negligence on your part,  Any event for which the responsibility could fall to the travel agency in application of the Tourism Code in effect,  Failure to present, for any reason whatsoever, documents essential to the stay, such as passport, identification card, visa, travel documents, vaccination record, except in case of theft within the 48 hours preceding departure of the departure of the passport or identity card, TELE-CONSULTATION BEFORE DEPARTURE For any request for information and useful information for the organization and smooth running organiser of your trip, you can contact us before your trip 24 hours/day; 7 days/weekor by the carrier, preventing them from meeting their contractual obligations. The information concerns the following areas. Health information: HealthSerious illness, Hygieneserious accident or death including relapse, Vaccination, Precautions to be taken, Main hospitals, Advice for women, Time difference, Traveling with animals. Our doctors are also available for any information you may need in the event worsening of a trip taking place chronic or pre-existing condition as well as the results or after-effects of an accident that occurred before the contract was taken out of the person replacing you at work and identified by name when the contract was taken out, to the person responsible during an epidemic or pandemicyour stay for looking after your underage children, any disabled person under your legal guardianship and who lives under the same roof as you. The information In addition, we never intervene if the person who causes the cancellation is communicated by telephone and is not the subject of a written confirmation or sending of documents. Information services are provided between 8:00 a.m. and 7:00 p.m. and within time frames normally necessary to satisfy the request. However, regardless of hospitalised at the time of booking of the call, we welcome and note your requests as well as your contact details in order to call you back to provide you with trip/travel or of taking out the expected answerscontract. REPATRIATION OR MEDICAL TRANSPORT: You are injured or suffer from an illness, including in . FOR WHAT AMOUNT DO WE INTERVENE? We intervene for the context amount of an epidemic or a pandemic, during a covered trip. We organize and take care of your repatriation to your home or to a hospital near you. Only medical requirements are taken into account to determine the cancellation expenses incurred at the date of repatriation, the choice of means of transport or place of hospitalization. The repatriation decision is taken by our medical consultant, after consulting the occasional doctor and possibly the family doctor. During your repatriation, and on recommendation from our medical consultant, we organize and pay for the transport of a person event that can lead to be by your side. Any refusal application of the solution offered by our medical team will render the personal assistance guarantee null and void. RETURN IMPOSSIBLE: Your flight has been canceled following measures to restrict the movement of populations in the event of an epidemic or pandemic taken by the local government or the airlines. If you are required to extend your staycover, we will organize and cover the hotel costs (room and breakfast) as well as those of your beneficiary family members or an insured companion, up pursuant to the amount indicated in General Sales Conditions of the Table of Guarantees. We organize travel organiser, with a maximum and cover your repatriation to your home, within the limit indicated in the Table of Guarantees. HOTEL COSTS FOLLOWING PLACEMENT INTO QUARANTINE If you are required to extend your stay following your placement into quarantine, we will organize and cover the hotel costs (room and breakfast) an excess as well as those of your beneficiary family members or an insured companion, up to the amount indicated in the Table of Guarantees. MEDICAL EXPENSES (OUTSIDE COUNTRY OF RESIDENCE) When medical costs (including in the event of illness contracted in the context of an epidemic or pandemic) have been incurred with our prior approval, we will reimburse you for the part of these costs which have not been covered by the insurance organizations with which you are affiliated. We only intervene once the reimbursements have been made by the aforementioned insurance organizations, after application of a deductible, the amount of which is indicated in the table of guarantees, and subject to communication the amounts of original proof of reimbursement from your cover. The insurance organization. This reimbursement covers the costs defined below, provided that they relate to care received by you outside your country of residence as a result of an illness or accident occurring outside your country of residence. In this case, we will reimburse the amount of the costs incurred up to the maximum amount indicated in the Table of Guarantees. In the event that the insurance organization to which you contribute does not cover the medical costs incurred, we will reimburse the costs incurred within the limit of the amount indicated in the Table of Guarantees, subject to you providing the original invoices for medical costs and the certificate of non- reimbursement from the insurance organization. This service ceases from the day that we are able to complete your repatriation. Nature of the costs granting the right to reimbursement (subject to prior approval):  medical fees,  cost of medication prescribed by a doctor or surgeon,  ambulance costs prescribed by a doctor for transport to the nearest hospital and only in the event of refusal of coverage by the insurance organizations,  hospitalization costs provided that you are deemed not fit for transport by decision of the Assistance doctors, taken after collecting information from the local doctor (hospitalization costs incurred from the day we are able to repatriate you are not covered),  emergency dental expenses (capped at the amount indicated in the Table of Guarantees, without application of deductible). EXTENSION OF THE BENEFIT: ADVANCE OF HOSPITALIZATION EXPENSES (OUTSIDE COUNTRY OF RESIDENCE) We may, within the limit of the coverage provided for above, advance the hospital costs that you must incur outside your country of residence, under the following cumulative conditions:  MUTUAIDE ASSISTANCE doctors must judge, after collecting information from the local doctor, that it premium is impossible to repatriate you immediately to your country of residence.  the care to which the advance applies must be prescribed in agreement with the doctors of MUTUAIDE ASSISTANCE.  you or any person authorized by you must formally commit by signing a specific document, provided by MUTUAIDE ASSISTANCE at the time of implementation of this service:  to initiate the procedures to cover the costs with the insurance organizations within 15 days following the date of dispatch of the elements necessary for these procedures by MUTUAIDE ASSISTANCE,  to reimburse MUTUAIDE ASSISTANCE for the sums received in this respect from the insurance organizations within the week following receipt of these sums. Only expenses not covered by the insurance organizations will be covered by us and within the limit of the amount specified for the “medical expenses” benefit. You must provide us with the certificate of non-cover from these insurance organizations within a week of receipt. In order to preserve our subsequent rights, we reserve the right to ask you or your beneficiaries for a letter of commitment committing you to take the steps with social organizations and reimburse us for the sums collected. Should you fail to have completed the procedures for coverage with the insurance organizations within the allotted time, or if you fail to provide MUTUAIDE ASSISTANCE the certificate of non-cover from these insurance organizations within the allotted time, under no circumstances will you be able to take advantage of the “medical expenses” benefit and you will have to reimburse all of the hospitalization costs advanced by MUTUAIDE ASSISTANCE, which will initiate, if necessary, any useful recovery procedure, the cost of which will be your responsibility.never refundable..

WHAT WE EXCLUDE. The Cancellation guarantee cover does not cover the impossibility of leaving linked to border closures, the material organizationphysical organisation, accommodation conditions or security safety of the destination. In addition to Apart from the exclusions common to all guaranteesappearing 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 observednoted, relapse, aggravation or hospitalization hospitalisation between the date of purchase of your the stay and the date of subscription of the insurance contractpolicy was taken out,  • Any circumstance that is only a detrimental to mere inconvenienceenjoyment,  Pregnancy, including its complications beyond the 28th week and, • Pregnancy and in all casescircumstances, voluntary termination of pregnancy, childbirth, in vitro fertilization 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,  The lack • Too little or excess of too much snow,  • Any medical event for which the diagnosis, symptoms or the cause thereof are of a mental, psychological or psychiatric nature, and which has not given rise to hospitalization hospitalisation for more than 3 three consecutive days after subscribing taking out this Contractpolicy,  • Pollution, local health situation, situation and natural disasters covered by the procedure referred to in Law No. 82.600 82-600 of 13 July 1982 as well as their consequences, meteorological or climatic events,  • The consequences of criminal proceedings to which you are subjectagainst you,  • Any other event occurring between the date of subscription of when the insurance contract policy was taken out and the date of departure for your trip  • Any event occurring between the date of purchase of registering for the trip and the date of purchase of when the insurance contractpolicy was taken out.  • The absence of hazard,  • An intentional and/or reprehensible act under the law, the consequences of alcoholic states and the consumption of drugs, any narcotic substance mentioned in the Public Health Code, drugs and treatments not prescribed by a doctor,  Due to the • The simple fact that the geographical destination of the trip is not recommended by the French Ministry of Foreign AffairsAffairs of the insured’s country,  Due to an • An act of negligence on your partby you,  • Any event for which the responsibility could fall to the travel agency trip organiser may be responsible or liable in application of accordance with the Tourism Code in effectforce,  • Failure to present, for any reason whatsoever, documents essential to the stay, such as passport, identification driving licence, identity card, visa, travel documents, vaccination record, except in case of theft within the 48 hours preceding departure of the departure of the passport or identity card, TELE-CONSULTATION BEFORE DEPARTURE For any request for information and useful information for the organization and smooth running of your trip, you can contact us before your trip 24 hours/day; 7 days/week. The information concerns the following areas. Health information: Health, Hygiene, Vaccination, Precautions to be taken, Main hospitals, Advice for women, Time difference, Traveling with animals. Our doctors are also available for any information you may need in the event of a trip taking place during an epidemic or pandemic. The information is communicated by telephone and is not the subject of a written confirmation or sending of documents. Information services are provided between 8:00 a.m. and 7:00 p.m. and within time frames normally necessary to satisfy the request. However, regardless of the time of the call, we welcome and note your requests as well as your contact details in order to call you back to provide you with the expected answers. REPATRIATION OR MEDICAL TRANSPORT: You are injured or suffer from an illness, including in the context of an epidemic or a pandemic, during a covered trip. We organize and take care of your repatriation to your home or to a hospital near you. Only medical requirements are taken into account to determine the date of repatriation, the choice of means of transport or place of hospitalization. The repatriation decision is taken by our medical consultant, after consulting the occasional doctor and possibly the family doctor. During your repatriation, and on recommendation from our medical consultant, we organize and pay for the transport of a person to be by your side. Any refusal of the solution offered by our medical team will render the personal assistance guarantee null and void. RETURN IMPOSSIBLE: Your flight has been canceled following measures to restrict the movement of populations in the event of an epidemic or pandemic taken by the local government or the airlines. If you are required to extend your stay, we will organize and cover the hotel costs (room and breakfast) as well as those of your beneficiary family members or an insured companion, up to the amount indicated in the Table of Guarantees. We organize and cover your repatriation to your home, within the limit indicated in the Table of Guarantees. HOTEL COSTS FOLLOWING PLACEMENT INTO QUARANTINE If you are required to extend your stay following your placement into quarantine, we will organize and cover the hotel costs (room and breakfast) as well as those of your beneficiary family members or an insured companion, up to the amount indicated in the Table of Guarantees. MEDICAL EXPENSES (OUTSIDE COUNTRY OF RESIDENCE) When medical costs (including in the event of illness contracted in the context of an epidemic or pandemic) have been incurred with our prior approval, we will reimburse you for the part of these costs which have not been covered by the insurance organizations with which you are affiliated. We only intervene once the reimbursements have been made by the aforementioned insurance organizations, after application of a deductible, the amount of which is indicated in the table of guarantees, and subject to communication of original proof of reimbursement from your insurance organization. This reimbursement covers the costs defined below, provided that they relate to care received by you outside your country of residence as a result of an illness or accident occurring outside your country of residence. In this case, we will reimburse the amount of the costs incurred up to the maximum amount indicated in the Table of Guarantees. In the event that the insurance organization to which you contribute does not cover the medical costs incurred, we will reimburse the costs incurred within the limit of the amount indicated in the Table of Guarantees, subject to you providing the original invoices for medical costs and the certificate of non- reimbursement from the insurance organization. This service ceases from the day that we are able to complete your repatriation. Nature of the costs granting the right to reimbursement (subject to prior approval):  medical fees,  cost of medication prescribed by a doctor or surgeon,  ambulance costs prescribed by a doctor for transport to the nearest hospital and only in the event of refusal of coverage by the insurance organizations,  hospitalization costs provided that you are deemed not fit for transport by decision of the Assistance doctors, taken after collecting information from the local doctor (hospitalization costs incurred from the day we are able to repatriate you are not covered),  emergency dental expenses (capped at the amount indicated in the Table of Guarantees, without application of deductible). EXTENSION OF THE BENEFIT: ADVANCE OF HOSPITALIZATION EXPENSES (OUTSIDE COUNTRY OF RESIDENCE) We may, within the limit of the coverage provided for above, advance the hospital costs that you must incur outside your country of residence, under the following cumulative conditions:  MUTUAIDE ASSISTANCE doctors must judge, after collecting information from the local doctor, that it is impossible to repatriate you immediately to your country of residence.  the care to which the advance applies must be prescribed in agreement with the doctors of MUTUAIDE ASSISTANCE.  you or any person authorized by you must formally commit by signing a specific document, provided by MUTUAIDE ASSISTANCE at the time of implementation of this service:  to initiate the procedures to cover the costs with the insurance organizations within 15 days following the date of dispatch of the elements necessary for these procedures by MUTUAIDE ASSISTANCE,  to reimburse MUTUAIDE ASSISTANCE for the sums received in this respect from the insurance organizations within the week following receipt of these sums. Only expenses not covered by the insurance organizations will be covered by us and within the limit of the amount specified for the “medical expenses” benefit. You must provide us with the certificate of non-cover from these insurance organizations within a week of receipt. In order to preserve our subsequent rights, we reserve the right to ask you or your beneficiaries for a letter of commitment committing you to take the steps with social organizations and reimburse us for the sums collected. Should you fail to have completed the procedures for coverage with the insurance organizations within the allotted time, or if you fail to provide MUTUAIDE ASSISTANCE the certificate of non-cover from these insurance organizations within the allotted time, under no circumstances will you be able to take advantage of the “medical expenses” benefit and you will have to reimburse all of the hospitalization costs advanced by MUTUAIDE ASSISTANCE, which will initiate, if necessary, any useful recovery procedure, the cost of which will be your responsibility.departure

WHAT WE EXCLUDE. The Cancellation guarantee cover does not cover the impossibility of leaving linked to border closures, the material organizationphysical organisation, accommodation conditions or security safety of the destination. In addition to Apart from the exclusions common to all guaranteesappearing 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 observednoted, relapse, aggravation or hospitalization hospitalisation between the date of purchase of your the stay and the date of subscription of the insurance contractpolicy was taken out,  Any circumstance that is only a detrimental to mere inconvenienceenjoyment,  Pregnancy, including its complications beyond the 28th week and, Pregnancy and in all casescircumstances, voluntary termination of pregnancy, childbirth, in vitro fertilization 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,  The lack Too little or excess of too much snow,  Any medical event for which the diagnosis, symptoms or the cause thereof are of a mental, psychological or psychiatric nature, and which has not given rise to hospitalization hospitalisation for more than 3 three consecutive days after subscribing taking out this Contractpolicy,  Pollution, local health situation, situation and natural disasters covered by the procedure referred to in Law No. 82.600 82-600 of 13 July 1982 as well as their consequences, meteorological or climatic events,  The consequences of criminal proceedings to which you are subjectagainst you,  Any other event occurring between the date of subscription of when the insurance contract policy was taken out and the date of departure for your trip  Any event occurring between the date of purchase of registering for the trip and the date of purchase of when the insurance contractpolicy was taken out.  The absence of hazard,  An intentional and/or reprehensible act under the law, the consequences of alcoholic states and the consumption of drugs, any narcotic substance mentioned in the Public Health Code, drugs and treatments not prescribed by a doctor,  Due to the The simple fact that the geographical destination of the trip is not recommended by the French Ministry of Foreign AffairsAffairs of the insured’s country,  Due to an An act of negligence on your partby you,  Any event for which the responsibility could fall to the travel agency trip organiser may be responsible or liable in application of accordance with the Tourism Code in effectforce,  Failure to present, for any reason whatsoever, documents essential to the stay, such as passport, identification driving licence, identity card, visa, travel documents, vaccination record, except in case of theft within the 48 hours preceding departure of the departure of the passport or identity card, TELE-CONSULTATION BEFORE DEPARTURE For any request for information and useful information for the organization and smooth running of your trip, you can contact us before your trip 24 hours/day; 7 days/week. The information concerns the following areas. Health information: Health, Hygiene, Vaccination, Precautions to be taken, Main hospitals, Advice for women, Time difference, Traveling with animals. Our doctors are also available for any information you may need in the event of a trip taking place during an epidemic or pandemic. The information is communicated by telephone and is not the subject of a written confirmation or sending of documents. Information services are provided between 8:00 a.m. and 7:00 p.m. and within time frames normally necessary to satisfy the request. However, regardless of the time of the call, we welcome and note your requests as well as your contact details in order to call you back to provide you with the expected answers. REPATRIATION OR MEDICAL TRANSPORT: You are injured or suffer from an illness, including in the context of an epidemic or a pandemic, during a covered trip. We organize and take care of your repatriation to your home or to a hospital near you. Only medical requirements are taken into account to determine the date of repatriation, the choice of means of transport or place of hospitalization. The repatriation decision is taken by our medical consultant, after consulting the occasional doctor and possibly the family doctor. During your repatriation, and on recommendation from our medical consultant, we organize and pay for the transport of a person to be by your side. Any refusal of the solution offered by our medical team will render the personal assistance guarantee null and void. RETURN IMPOSSIBLE: Your flight has been canceled following measures to restrict the movement of populations in the event of an epidemic or pandemic taken by the local government or the airlines. If you are required to extend your stay, we will organize and cover the hotel costs (room and breakfast) as well as those of your beneficiary family members or an insured companion, up to the amount indicated in the Table of Guarantees. We organize and cover your repatriation to your home, within the limit indicated in the Table of Guarantees. HOTEL COSTS FOLLOWING PLACEMENT INTO QUARANTINE If you are required to extend your stay following your placement into quarantine, we will organize and cover the hotel costs (room and breakfast) as well as those of your beneficiary family members or an insured companion, up to the amount indicated in the Table of Guarantees. MEDICAL EXPENSES (OUTSIDE COUNTRY OF RESIDENCE) When medical costs (including in the event of illness contracted in the context of an epidemic or pandemic) have been incurred with our prior approval, we will reimburse you for the part of these costs which have not been covered by the insurance organizations with which you are affiliated. We only intervene once the reimbursements have been made by the aforementioned insurance organizations, after application of a deductible, the amount of which is indicated in the table of guarantees, and subject to communication of original proof of reimbursement from your insurance organization. This reimbursement covers the costs defined below, provided that they relate to care received by you outside your country of residence as a result of an illness or accident occurring outside your country of residence. In this case, we will reimburse the amount of the costs incurred up to the maximum amount indicated in the Table of Guarantees. In the event that the insurance organization to which you contribute does not cover the medical costs incurred, we will reimburse the costs incurred within the limit of the amount indicated in the Table of Guarantees, subject to you providing the original invoices for medical costs and the certificate of non- reimbursement from the insurance organization. This service ceases from the day that we are able to complete your repatriation. Nature of the costs granting the right to reimbursement (subject to prior approval):  medical fees,  cost of medication prescribed by a doctor or surgeon,  ambulance costs prescribed by a doctor for transport to the nearest hospital and only in the event of refusal of coverage by the insurance organizations,  hospitalization costs provided that you are deemed not fit for transport by decision of the Assistance doctors, taken after collecting information from the local doctor (hospitalization costs incurred from the day we are able to repatriate you are not covered),  emergency dental expenses (capped at the amount indicated in the Table of Guarantees, without application of deductible). EXTENSION OF THE BENEFIT: ADVANCE OF HOSPITALIZATION EXPENSES (OUTSIDE COUNTRY OF RESIDENCE) We may, within the limit of the coverage provided for above, advance the hospital costs that you must incur outside your country of residence, under the following cumulative conditions:  MUTUAIDE ASSISTANCE doctors must judge, after collecting information from the local doctor, that it is impossible to repatriate you immediately to your country of residence.  the care to which the advance applies must be prescribed in agreement with the doctors of MUTUAIDE ASSISTANCE.  you or any person authorized by you must formally commit by signing a specific document, provided by MUTUAIDE ASSISTANCE at the time of implementation of this service:  to initiate the procedures to cover the costs with the insurance organizations within 15 days following the date of dispatch of the elements necessary for these procedures by MUTUAIDE ASSISTANCE,  to reimburse MUTUAIDE ASSISTANCE for the sums received in this respect from the insurance organizations within the week following receipt of these sums. Only expenses not covered by the insurance organizations will be covered by us and within the limit of the amount specified for the “medical expenses” benefit. You must provide us with the certificate of non-cover from these insurance organizations within a week of receipt. In order to preserve our subsequent rights, we reserve the right to ask you or your beneficiaries for a letter of commitment committing you to take the steps with social organizations and reimburse us for the sums collected. Should you fail to have completed the procedures for coverage with the insurance organizations within the allotted time, or if you fail to provide MUTUAIDE ASSISTANCE the certificate of non-cover from these insurance organizations within the allotted time, under no circumstances will you be able to take advantage of the “medical expenses” benefit and you will have to reimburse all of the hospitalization costs advanced by MUTUAIDE ASSISTANCE, which will initiate, if necessary, any useful recovery procedure, the cost of which will be your responsibility.departure

WHAT WE EXCLUDE. The Cancellation guarantee cover does not cover the impossibility of leaving linked to border closures, the material organizationphysical organisation, accommodation conditions or security safety of the destination. In addition to Apart from the exclusions common to all guaranteesappearing 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 observednoted, relapse, aggravation or hospitalization hospitalisation between the date of purchase of your the stay and the date of subscription of the insurance contractpolicy was taken out,  • Any circumstance that is only a detrimental to mere inconvenienceenjoyment,  Pregnancy, including its complications beyond the 28th week and, • Pregnancy and in all casescircumstances, voluntary termination of pregnancy, childbirth, in vitro fertilization 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,  The lack • Too little or excess of too much snow,  • Any medical event for which the diagnosis, symptoms or the cause thereof are of a mental, psychological or psychiatric nature, and which has not given rise to hospitalization hospitalisation for more than 3 three consecutive days after subscribing taking out this Contractpolicy,  • Pollution, local health situation, situation and natural disasters covered by the procedure referred to in Law No. 82.600 82-600 of 13 July 1982 as well as their consequences, meteorological or climatic events,  • The consequences of criminal proceedings to which you are subjectagainst you,  • Any other event occurring between the date of subscription of when the insurance contract policy was taken out and the date of departure for your trip  • Any event occurring between the date of purchase of registering for the trip and the date of purchase of when the insurance contract.  policy was taken out, • The absence of hazard,  • An intentional and/or reprehensible act under the law, the consequences of alcoholic states and the consumption of drugs, any narcotic substance mentioned in the Public Health Code, drugs and treatments not prescribed by a doctor,  Due to the • The simple fact that the geographical destination of the trip is not recommended by the French Ministry of Foreign AffairsAffairs of the insured’s country,  Due to an • An act of negligence on your partby you,  • Any event for which the responsibility could fall to the travel agency trip organiser may be responsible or liable in application of accordance with the Tourism Code in effectforce,  • Failure to present, for any reason whatsoever, documents essential to the stay, such as passport, identification driving licence, identity card, visa, travel documents, vaccination record, except in case of theft within the 48 hours preceding departure of the departure of the passport or identity card, TELE-CONSULTATION BEFORE DEPARTURE For any request for information and useful information for the organization and smooth running of your trip, you can contact us before your trip 24 hours/day; 7 days/week. The information concerns the following areas. Health information: Health, Hygiene, Vaccination, Precautions to be taken, Main hospitals, Advice for women, Time difference, Traveling with animals. Our doctors are also available for any information you may need in the event of a trip taking place during an epidemic or pandemic. The information is communicated by telephone and is not the subject of a written confirmation or sending of documents. Information services are provided between 8:00 a.m. and 7:00 p.m. and within time frames normally necessary to satisfy the request. However, regardless of the time of the call, we welcome and note your requests as well as your contact details in order to call you back to provide you with the expected answers. REPATRIATION OR MEDICAL TRANSPORT: You are injured or suffer from an illness, including in the context of an epidemic or a pandemic, during a covered trip. We organize and take care of your repatriation to your home or to a hospital near you. Only medical requirements are taken into account to determine the date of repatriation, the choice of means of transport or place of hospitalization. The repatriation decision is taken by our medical consultant, after consulting the occasional doctor and possibly the family doctor. During your repatriation, and on recommendation from our medical consultant, we organize and pay for the transport of a person to be by your side. Any refusal of the solution offered by our medical team will render the personal assistance guarantee null and void. RETURN IMPOSSIBLE: Your flight has been canceled following measures to restrict the movement of populations in the event of an epidemic or pandemic taken by the local government or the airlines. If you are required to extend your stay, we will organize and cover the hotel costs (room and breakfast) as well as those of your beneficiary family members or an insured companion, up to the amount indicated in the Table of Guarantees. We organize and cover your repatriation to your home, within the limit indicated in the Table of Guarantees. HOTEL COSTS FOLLOWING PLACEMENT INTO QUARANTINE If you are required to extend your stay following your placement into quarantine, we will organize and cover the hotel costs (room and breakfast) as well as those of your beneficiary family members or an insured companion, up to the amount indicated in the Table of Guarantees. MEDICAL EXPENSES (OUTSIDE COUNTRY OF RESIDENCE) When medical costs (including in the event of illness contracted in the context of an epidemic or pandemic) have been incurred with our prior approval, we will reimburse you for the part of these costs which have not been covered by the insurance organizations with which you are affiliated. We only intervene once the reimbursements have been made by the aforementioned insurance organizations, after application of a deductible, the amount of which is indicated in the table of guarantees, and subject to communication of original proof of reimbursement from your insurance organization. This reimbursement covers the costs defined below, provided that they relate to care received by you outside your country of residence as a result of an illness or accident occurring outside your country of residence. In this case, we will reimburse the amount of the costs incurred up to the maximum amount indicated in the Table of Guarantees. In the event that the insurance organization to which you contribute does not cover the medical costs incurred, we will reimburse the costs incurred within the limit of the amount indicated in the Table of Guarantees, subject to you providing the original invoices for medical costs and the certificate of non- reimbursement from the insurance organization. This service ceases from the day that we are able to complete your repatriation. Nature of the costs granting the right to reimbursement (subject to prior approval):  medical fees,  cost of medication prescribed by a doctor or surgeon,  ambulance costs prescribed by a doctor for transport to the nearest hospital and only in the event of refusal of coverage by the insurance organizations,  hospitalization costs provided that you are deemed not fit for transport by decision of the Assistance doctors, taken after collecting information from the local doctor (hospitalization costs incurred from the day we are able to repatriate you are not covered),  emergency dental expenses (capped at the amount indicated in the Table of Guarantees, without application of deductible). EXTENSION OF THE BENEFIT: ADVANCE OF HOSPITALIZATION EXPENSES (OUTSIDE COUNTRY OF RESIDENCE) We may, within the limit of the coverage provided for above, advance the hospital costs that you must incur outside your country of residence, under the following cumulative conditions:  MUTUAIDE ASSISTANCE doctors must judge, after collecting information from the local doctor, that it is impossible to repatriate you immediately to your country of residence.  the care to which the advance applies must be prescribed in agreement with the doctors of MUTUAIDE ASSISTANCE.  you or any person authorized by you must formally commit by signing a specific document, provided by MUTUAIDE ASSISTANCE at the time of implementation of this service:  to initiate the procedures to cover the costs with the insurance organizations within 15 days following the date of dispatch of the elements necessary for these procedures by MUTUAIDE ASSISTANCE,  to reimburse MUTUAIDE ASSISTANCE for the sums received in this respect from the insurance organizations within the week following receipt of these sums. Only expenses not covered by the insurance organizations will be covered by us and within the limit of the amount specified for the “medical expenses” benefit. You must provide us with the certificate of non-cover from these insurance organizations within a week of receipt. In order to preserve our subsequent rights, we reserve the right to ask you or your beneficiaries for a letter of commitment committing you to take the steps with social organizations and reimburse us for the sums collected. Should you fail to have completed the procedures for coverage with the insurance organizations within the allotted time, or if you fail to provide MUTUAIDE ASSISTANCE the certificate of non-cover from these insurance organizations within the allotted time, under no circumstances will you be able to take advantage of the “medical expenses” benefit and you will have to reimburse all of the hospitalization costs advanced by MUTUAIDE ASSISTANCE, which will initiate, if necessary, any useful recovery procedure, the cost of which will be your responsibilitydeparture.