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 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 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.