Common use of MEDICAL ASSISTANCE AND INSURANCE Clause in Contracts

MEDICAL ASSISTANCE AND INSURANCE. 1. What risks does the medical assistance and insurance extend to? After receiving a call, QBE Insurance (Europe) Limited Branch Office in Hungary (hereinafter referred to as the Insurance Company) or its partner, mentioned in the regulations and on the information page (hereinafter referred to as Partner) shall provide to the Insured medical assistance services and cover related costs in accordance with the stipulations of point 1. if the Insured falls ill or suffers an accident while staying abroad during the validity of the insurance. The Insurance Company shall render these services exclusively in emergency situations. The emergency situation involves the cases when the failure to provide immediate medical treatment is expected to endanger the life or security of the Insured or would cause irremediable damages to the health or security of the Insured as well as the cases when based on the symptoms of the disease or illness of the Insured (loss of consciousness, bleeding, infectious acute disease, etc.) or owing to sudden injury to health the Insured needs immediate medical treatment. Medical assistance services of the Insurance Company: – the Insurance Company or its Partner shall send within the shortest possible time a doctor to the place of residence of the Insured or furnishes the Insured with the address of the doctor, – if necessary it shall arrange further health care services to be rendered to the Insured, – in the event of motional incapability the Insurance Company shall arrange the transportation of the Insured to the doctor or hospital by ambulance or taxi, in the event of hospital treatment for max. 30 days a) as soon as the condition of the hospitalized patient makes it possible, the Insured shall be repatriated to Hungary – if necessary accompanied by a doctor or nurse – instead of the treatment abroad and the Insurance Company shall arrange for the patient to be treated in the competent health care institution. The date and mode of repatriation shall be determined by the Insurance Company on the basis of a preliminary reconciliation with the medical attendant or health care institution, b) the Insurance Company shall be in permanent touch with the medical attendant or the health care institution and undertakes to inform continously the relative of the Insured about the condition of the Insured by phone. – in case of any pandemic – if the Insured is quarantined by health authorities abroad – the Insurance company covers the costs of diagnostics, hospitalization and repatriation up to the amount of EUR 1.800,-. (If the Insured has purchased a Privilege insurance policy). The policy covers the costs of justified and usual general medical treatment (selection of physician is not allowed), taking into consideration average treatment fees valid in the place of the utilization of the services. Further service of the Premium policy: – additional costs of hospitalization in single or double hospital room. The physician providing treatment or performing examination shall be released from professional secrecy by the Insured Party with respect to the Insurance Company or its representative. 2. The Insurance does not extend to: – any care or purchase of medicaments necessiated by the patient’s former health condition and which is expected at the time of purchasing the policy to become necessary during the period of the insurance, – services which are unnecessary for the establishment of the diagnosis or for the treatment and do not become necessary as a result of an acute disease or an injury suffered as a result of an accident, – the additional costs which exceed the reasonable and general fee in the country concerned, – the additional costs of hospital treatment resulting from the fact that from a medical point of view it could have been resolved, the Insurance Company was not able to repatriate the Insured (even in a special way) for further treatment to Hungary as a result of the decision of the Insured, – in the event of damages over EUR 150 the costs exceeding EUR 150 if the Insured or representative of the Insured, or rather the medical facility or treating doctor providing medical care to the Insured failed to ask within 24 hours for the consent of the Insurance Company to the utilization of the medical services, – non-emergency medical examination and treatment, – the cost of repatriation made without the consent of the Insurance Company, – operations that can be postponed (programmed operations), – after-treatment, rehabilitation, – psychiatric treatment, – physicotherapy, acupuncture, treatment by quack or chiropractor, – treatment or care by a family member, – medical or hospital treatment resulting from the consumption of alcohol (blood alcohol level over 0,80%o) or drugs or reasons connected to their consumption, Medical insurance services of the Insurance Company: – exclusively in the event of emergency the insurance provides coverage – within the validity period – Classic Premium Privileg for the costs incurred as a result of illnes up to the amount of EUR 45.000,- EUR 80.000,- EUR 500.000.- for the costs incurred as a result of an accident up to the amount of EUR 45.000,- EUR 85.000,- EUR 500.000.- (or the equivalent in other currencies) or in case the Insured under the age of 16 benefited by the reduced rates, the Insurance Company shall provide coverage up to the 50 p.c. of above mentioned limits. Above expenses shall be born by the Insurance Company provided the Insured or representative of the Insured or rather the medical facility or treating doctor rendering medical care to the Insured asked for medical assistance from the Insurance Company or from its Partner, or if the Insured had no possibility to ask for such assistance, the Insured informed the Insurance Company or its Partner within the shortest possible period (but latest within 24 hours) on such an event and the Insurance Company permitted the utilization of the services. If the Insured did not inform the Insurance Company or its Partner on such an event in accordance with the above, the Insurance Company shall reimburse the costs incurred up to the amount of EUR 150.-. Insurance services: – emergency medical examination, – emergency medical treatment, – emergency hospital treatment (the Insurance Company reserves the right to cover the costs of hospital treatment abroad until the medical condition of the Insured allows repatriation for further treatment), – additional costs of intensive treatment, – urgent operation, – emergency obstetric care before the 28th week of pregnancy, – reimbursement of the costs of medicaments bought on the basis of a prescription, certified by the original invoice, – renting of artificial limbs, crutches, wheelchair and other medical instruments, equipmentes and tools on the basis of a prescription, – on the basis of a prescription the replacement of glasses necessiated by an accident causing personal injury and needing medical care, up to the amount of EUR 100,- – exclusively urgent dental treatment, direct pain-killing treatment, max. for two teeth, up to the amount of EUR 120.– per tooth, – vaccination, – routine, control examinations or medical check-ups, – sexually transmitted diseases, – acquired immune deficiency syndrome (AIDS) and related diseases, – contact lenses, hearing aids, and spectacles (regarding the latter-except for the cases of accidents with personal injuries), – suicide, attempt of suicide or costs resulting from the intended commitment of a crime, – costs of treatment necessiated by an accident resulting from physical work by occupation, – the treatment of more than two teeth, – definitive dental treatment, jaw orthopedic treatment, orthodontics, paradental treatments, scalling, preparation and reparation of artificial denture, dental crown, bridge-work, root-canal therapy, – costs of treatment necessiated by an accident resulting from hazardous sport activites, – additional costs of hospitalization in single or double hospital room, hospital treatment that exceeds 30 days – plastic surgery, sunstroke and sunburnt – prenatal care, – obstetrical care after the 28th week of pregnancy.

MEDICAL ASSISTANCE AND INSURANCE. 1. What risks does the medical assistance and insurance extend to? After receiving a call, QBE Colonnade Insurance (Europe) Limited S.A. Branch Office in Hungary (hereinafter referred to as the Insurance Company) or its partner, mentioned in the regulations and on the information page (hereinafter referred to as Partner) shall provide to the Insured medical assistance services and cover related costs in accordance with the stipulations of point 1. if the Insured falls ill or suffers an accident while staying abroad during the validity of the insurance. The Insurance Company shall render these services exclusively in emergency situations. The emergency situation involves the cases when the failure to provide immediate medical treatment is expected to endanger the life or security of the Insured or would cause irremediable damages to the health or security of the Insured as well as the cases when based on the symptoms of the disease or illness of the Insured (loss of consciousness, bleeding, infectious acute disease, etc.) or owing to sudden injury to health the Insured needs immediate medical treatment. Medical assistance services of the Insurance Company: – the Insurance Company or its Partner shall send within the shortest possible time a doctor to the place of residence of the Insured or furnishes the Insured with the address of the doctor, – if necessary it shall arrange further health care services to be rendered to the Insured, – in the event of motional incapability the Insurance Company shall arrange the transportation of the Insured to the doctor or hospital by ambulance or taxi, in the event of hospital treatment for max. 30 days a) as soon as the condition of the hospitalized patient makes it possible, the Insured shall be repatriated to Hungary – if necessary accompanied by a doctor or nurse – instead of the treatment abroad and the Insurance Company shall arrange for the patient to be treated in the competent health care institution. The date and mode of repatriation shall be determined by the Insurance Company on the basis of a preliminary reconciliation with the medical attendant or health care institution, b) the Insurance Company shall be in permanent touch with the medical attendant or the health care institution and undertakes to inform continously the relative of the Insured about the condition of the Insured by phone. – in case of any pandemic – if the Insured is quarantined by health authorities abroad – the Insurance company covers the costs of diagnostics, hospitalization and repatriation up According to the amount 1st point of EUR 1.800,-Civil Code 685: 1 §. (If 1) paragraph next of kins are: xxxxxx, lineal relative, adopted-, step- and foster child, adoptive-, step- and foster parents, brother or sister, furthermor relatives are: common-law wife/husband, spouse of lineal relatives, fiance, fiancee, lineal relative and brother or sister of spouse and the Insured has purchased a Privilege insurance policy)spouse of brother and sister. The policy covers the costs of justified and usual general medical treatment (selection of physician is not allowed), taking into consideration average treatment fees valid in the place of the utilization of the services. Further service of the Premium policy: – additional costs of hospitalization in single or double hospital room. The physician providing treatment or performing examination shall be released from professional secrecy by the Insured Party with respect to the Insurance Company or its representative. 2. The Insurance does not extend to: – any care or purchase of medicaments necessiated by the patient’s former health condition and which is expected at the time of purchasing the policy to become necessary during the period of the insurance, – services which are unnecessary for the establishment of the diagnosis or for the treatment and do not become necessary as a result of an acute disease or an injury suffered as a result of an accident, – the additional costs which exceed the reasonable and general fee in the country concerned, – the additional costs of hospital treatment resulting from the fact that from a medical point of view it could have been resolved, the Insurance Company was not able to repatriate the Insured (even in a special way) for further treatment to Hungary as a result of the decision of the Insured, – in the event of damages over EUR 150 the costs exceeding EUR 150 if the Insured or representative of the Insured, or rather the medical facility or treating doctor providing medical care to the Insured failed to ask within 24 hours for the consent of the Insurance Company to the utilization of the medical services, – non-emergency medical examination and treatment, – the cost of repatriation made without the consent of the Insurance Company, – operations that can be postponed (programmed operations), – after-treatment, rehabilitation, – psychiatric treatment, – physicotherapy, acupuncture, treatment by quack or chiropractor, – treatment or care by a family member, – medical or hospital treatment resulting from the consumption of alcohol (blood alcohol level over 0,80%o) or drugs or reasons connected to their consumption, Medical insurance services of the Insurance Company: – exclusively in the event of emergency the insurance provides coverage – within the validity period – Classic Premium Prémium Privileg for the costs incurred as a result of illnes up to the amount of EUR 45.000,- of: EUR 80.000,- EUR 160.000,- EUR 500.000.- for the costs incurred as a result of an accident up to the amount of of: EUR 45.000,- EUR 85.000,- 80.000,-EUR 160.000,- EUR 500.000.- (or the equivalent in other currencies) or in case the Insured under the age of 16 benefited by the reduced rates, the Insurance Company shall provide coverage up to the 50 p.c. of above mentioned limits. Above expenses shall be born by the Insurance Company provided the Insured or representative of the Insured or rather the medical facility or treating doctor rendering medical care to the Insured asked for medical assistance from the Insurance Company or from its Partner, or if the Insured had no possibility to ask for such assistance, the Insured informed the Insurance Company or its Partner within the shortest possible period (but latest within 24 hours) on such an event and the Insurance Company permitted the utilization of the services. If the Insured did not inform the Insurance Company or its Partner on such an event in accordance with the above, the Insurance Company shall reimburse the costs incurred up to the amount of EUR 150.-. Insurance services: – emergency medical examination, – emergency medical treatment, – emergency hospital treatment (the Insurance Company reserves the right to cover the costs of hospital treatment abroad until the medical condition of the Insured allows repatriation for further treatment), – additional costs of intensive treatment, – urgent operation, – emergency obstetric care before the 28th week of pregnancy, – reimbursement of the costs of medicaments bought on the basis of a prescription, certified by the original invoice, – renting of artificial limbs, crutches, wheelchair and other medical instruments, equipmentes and tools on the basis of a prescription, – on the basis of a prescription the replacement of glasses necessiated by an accident causing personal injury and needing medical care, up to the amount of EUR 100,- – exclusively urgent dental treatment, direct pain-killing treatment, max. for two teeth, up to the amount of EUR 120.– per tooth, – in case of any pandemic – if the Insured is quarantined by health authorities abroad – the Insurance company covers the costs of diagnostics, hospitalization and repatriation up to the amount of EUR 1.800,-. (If the Insured has purchased a Privilege insurance policy). The insurance policy covers the costs of justified and usual general medical treatment (selection of physician is not allowed), taking into consideration average treatment fees valid in the place of the utilization of the services. Further service of the Premium policy: – additional costs of hospitalization in single or double hospital room. The physician providing treatment or performing examination shall be released from professional secrecy by the Insured Party with respect to the Insurance Company or its representative. 2. The Insurance does not extend to: – any care or purchase of medicaments necessiated by the patient’s former health condition and which is expected at the time of purchasing the insurance policy to become necessary during the period of the insurance, – services which are unnecessary for the establishment of the diagnosis or for the treatment and do not become necessary as a result of an acute disease or an injury suffered as a result of an accident, – the additional costs which exceed the reasonable and general fee in the country concerned, – the additional costs of hospital treatment resulting from the fact that from a medical point of view it could have been resolved, the Insurance Company was not able to repatriate the Insured (even in a special way) for further treatment to Hungary as a result of the decision of the Insured, – in the event of damages over EUR 150 the costs exceeding EUR 150 if the Insured or representative of the Insured, or rather the medical facility or treating doctor providing medical care to the Insured failed to ask within 24 hours for the consent of the Insurance Company to the utilization of the medical services, – non-emergency medical examination and treatment, – the cost of repatriation made without the consent of the Insurance Company, – operations that can be postponed (programmed operations), – after-treatment, rehabilitation, – psychiatric treatment, – physicotherapy, acupuncture, treatment by quack or chiropractor, – treatment or care by a family member, – medical or hospital treatment resulting from the consumption of alcohol (blood alcohol level over 0,80%o) or drugs or reasons connected to their consumption, – vaccination, – routine, control examinations or medical check-ups, – sexually transmitted diseases, – acquired immune deficiency syndrome (AIDS) and related diseases, – contact lenses, hearing aids, and spectacles glasses (regarding the latter-except for the cases of accidents with personal injuries), – suicide, attempt of suicide or costs resulting from the intended commitment of a crime, – costs of treatment necessiated by an accident resulting from physical work by occupation, – the treatment of more than two teeth, – definitive dental treatment, jaw orthopedic treatment, orthodontics, paradental treatments, scalling, preparation and reparation of artificial denture, dental crown, bridge-work, root-canal therapy, – costs of treatment necessiated by an accident resulting from hazardous sport activites, – additional costs of hospitalization in single or double hospital room, hospital treatment that exceeds 30 days – plastic surgery, sunstroke and sunburnt – prenatal care, – obstetrical care and gynecological treatments after the 28th week of pregnancy.

MEDICAL ASSISTANCE AND INSURANCE. 1. What risks does the medical assistance and insurance extend to? After receiving a call, QBE Insurance (Europe) Limited Branch Office in Hungary (hereinafter referred to as the Insurance Company) or its partner, mentioned in the regulations and on the information page (hereinafter referred to as Partner) shall provide to the Insured medical assistance services and cover related costs in accordance with the stipulations of point 1. if the Insured falls ill or suffers an accident while staying abroad during the validity of the insurance. The Insurance Company shall render these services exclusively in emergency situations. The emergency situation involves the cases when the failure to provide immediate medical treatment is expected to endanger the life or security of the Insured or would cause irremediable damages to the health or security of the Insured as well as the cases when based on the symptoms of the disease or illness of the Insured (loss of consciousness, bleeding, infectious acute disease, etc.) or owing to sudden injury to health the Insured needs immediate medical treatment. Medical assistance services of the Insurance Company: – the Insurance Company or its Partner shall send within the shortest possible time a doctor to the place of residence of the Insured or furnishes the Insured with the address of the doctor, – if necessary it shall arrange further health care services to be rendered to the Insured, – in the event of motional incapability the Insurance Company shall arrange the transportation of the Insured to the doctor or hospital by ambulance or taxi, in the event of hospital treatment for max. 30 days a) as soon as the condition of the hospitalized patient makes it possible, the Insured shall be repatriated to Hungary – if necessary accompanied by a doctor or nurse – instead of the treatment abroad and the Insurance Company shall arrange for the patient to be treated in the competent health care institution. The date and mode of repatriation shall be determined by the Insurance Company on the basis of a preliminary reconciliation with the medical attendant or health care institution, b) the Insurance Company shall be in permanent touch with the medical attendant or the health care institution and undertakes to inform continously the relative of the Insured about the condition of the Insured by phone. – in case Medical insurance services of any pandemic – if the Insured is quarantined by health authorities abroad – the Insurance company covers Company: – exclusively in the event of emergency the insurance provides coverage – within the validity period – Classic Premium Privileg for the costs incurred as a result of diagnostics, hospitalization and repatriation illnes up to the amount of EUR 1.800,-. (If the Insured has purchased a Privilege insurance policy). The policy covers the costs of justified and usual general medical treatment (selection of physician is not allowed), taking into consideration average treatment fees valid in the place of the utilization of the services. 45.000,- EUR 80.000,- EUR 500.000.- Further service of the Premium policy: – additional costs of hospitalization in single or double hospital room. The physician providing treatment or performing examination shall be released from professional secrecy by the Insured Party with respect to the Insurance Company or its representative. 2. The Insurance does not extend to: – any care or purchase of medicaments necessiated by the patient’s former health condition and which is expected at the time of purchasing the policy to become necessary during the period of the insurance, – services which are unnecessary for the establishment of the diagnosis or for the treatment and do not become necessary as a result of an acute disease or an injury suffered as a result of an accident, – the additional costs which exceed the reasonable and general fee in the country concerned, – the additional costs of hospital treatment resulting from the fact that from a medical point of view it could have been resolved, the Insurance Company was not able to repatriate the Insured (even in a special way) for further treatment to Hungary as a result of the decision of the Insured, – in the event of damages over EUR 150 the costs exceeding EUR 150 if the Insured or representative of the Insured, or rather the medical facility or treating doctor providing medical care to the Insured failed to ask within 24 hours for the consent of the Insurance Company to the utilization of the medical services, – non-emergency medical examination and treatment, – the cost of repatriation made without the consent of the Insurance Company, – operations that can be postponed (programmed operations), – after-treatment, rehabilitation, – psychiatric treatment, – physicotherapy, acupuncture, treatment by quack or chiropractor, – treatment or care by a family member, – medical or hospital treatment resulting from the consumption of alcohol (blood alcohol level over 0,80%o) or drugs or reasons connected to their consumption, Medical insurance services of the Insurance Company: – exclusively in the event of emergency the insurance provides coverage – within the validity period – Classic Premium Privileg for the costs incurred as a result of illnes up to the amount of EUR 45.000,- EUR 80.000,- EUR 500.000.- for the costs incurred as a result of an accident up to the amount of EUR 45.000,- EUR 85.000,- EUR 500.000.- (or the equivalent in other currencies) or in case the Insured under the age of 16 benefited by the reduced rates, the Insurance Company shall provide coverage up to the 50 p.c. of above mentioned limits. Above expenses shall be born by the Insurance Company provided the Insured or representative of the Insured or rather the medical facility or treating doctor rendering medical care to the Insured asked for medical assistance from the Insurance Company or from its Partner, or if the Insured had no possibility to ask for such assistance, the Insured informed the Insurance Company or its Partner within the shortest possible period (but latest within 24 hours) on such an event and the Insurance Company permitted the utilization of the services. If the Insured did not inform the Insurance Company or its Partner on such an event in accordance with the above, the Insurance Company shall reimburse the costs incurred up to the amount of EUR 150.-. Insurance services: – emergency medical examination, – emergency medical treatment, – emergency hospital treatment (the Insurance Company reserves the right to cover the costs of hospital treatment abroad until the medical condition of the Insured allows repatriation for further treatment), – additional costs of intensive treatment, – urgent operation, – emergency obstetric care before the 28th week of pregnancy, – reimbursement of the costs of medicaments bought on the basis of a prescription, certified by the original invoice, – renting of artificial limbs, crutches, wheelchair and other medical instruments, equipmentes and tools on the basis of a prescription, – on the basis of a prescription the replacement of glasses necessiated by an accident causing personal injury and needing medical care, up to the amount of EUR 100,- – exclusively urgent dental treatment, direct pain-killing treatment, max. for two teeth, up to the amount of EUR 120.– per tooth, – vaccination, – routine, control examinations or medical check-ups, – sexually transmitted diseases, – acquired immune deficiency syndrome (AIDS) and related diseases, – contact lenses, hearing aids, and spectacles (regarding the latter-except for the cases of accidents with personal injuries), – suicide, attempt of suicide or costs resulting from the intended commitment of a crime, – costs of treatment necessiated by an accident resulting from physical work by occupation, – the treatment of more than two teeth, – definitive dental treatment, jaw orthopedic treatment, orthodontics, paradental treatments, scalling, preparation and reparation of artificial denture, dental crown, bridge-work, root-canal therapy, – costs of treatment necessiated by an accident resulting from hazardous sport activites, – additional costs of hospitalization in single or double hospital room, hospital treatment that exceeds 30 days – plastic surgery, sunstroke and sunburnt – prenatal care, – obstetrical care after the 28th week of pregnancy.

MEDICAL ASSISTANCE AND INSURANCE. 1. What risks does the medical assistance and insurance extend to? After receiving a call, QBE Colonnade Insurance (Europe) Limited S.A. Branch Office in Hungary (hereinafter referred to as the Insurance Company) or its partner, mentioned in the regulations and on the information page (hereinafter referred to as Partner) shall provide to the Insured medical assistance services and cover related costs in accordance with the stipulations of point 1. if the Insured falls ill or suffers an accident while staying abroad during the validity of the insurance. The Insurance Company shall render these services exclusively in emergency situations. The emergency situation involves the cases when the failure to provide immediate medical treatment is expected to endanger the life or security of the Insured or would cause irremediable damages to the health or security of the Insured as well as the cases when based on the symptoms of the disease or illness of the Insured (loss of consciousness, bleeding, infectious acute disease, etc.) or owing to sudden injury to health the Insured needs immediate medical treatment. Medical assistance services of the Insurance Company: – the Insurance Company or its Partner shall send within the shortest possible time a doctor to the place of residence of the Insured or furnishes the Insured with the address of the doctor, – if necessary it shall arrange further health care services to be rendered to the Insured, – in the event of motional incapability the Insurance Company shall arrange the transportation of the Insured to the doctor or hospital by ambulance or taxi, in the event of hospital treatment for max. 30 days a) as soon as the condition of the hospitalized patient makes it possible, the Insured shall be repatriated to Hungary – if necessary accompanied by a doctor or nurse – instead of the treatment abroad and the Insurance Company shall arrange for the patient to be treated in the competent health care institution. The date and mode of repatriation shall be determined by the Insurance Company on the basis of a preliminary reconciliation with the medical attendant or health care institution, b) the Insurance Company shall be in permanent touch with the medical attendant or the health care institution and undertakes to inform continously the relative of the Insured about the condition of the Insured by phone. – in case of any pandemic – if the Insured is quarantined by health authorities abroad – the Insurance company covers the costs of diagnostics, hospitalization and repatriation up According to the amount 1st point of EUR 1.800,-Civil Code 685: 1 §. (If 1) paragraph next of kins are: spouse, lineal relative, adopted-, step- and foster child, adoptive-, step- and foster parents, brother or sister, furthermor relatives are: common-law wife/husband, spouse of lineal relatives, fiance, fiancee, lineal relative and brother or sister of spouse and the Insured has purchased a Privilege insurance policy)spouse of brother and sister. The policy covers the costs of justified and usual general medical treatment (selection of physician is not allowed), taking into consideration average treatment fees valid in the place of the utilization of the services. Further service of the Premium policy: – additional costs of hospitalization in single or double hospital room. The physician providing treatment or performing examination shall be released from professional secrecy by the Insured Party with respect to the Insurance Company or its representative. 2. The Insurance does not extend to: – any care or purchase of medicaments necessiated by the patient’s former health condition and which is expected at the time of purchasing the policy to become necessary during the period of the insurance, – services which are unnecessary for the establishment of the diagnosis or for the treatment and do not become necessary as a result of an acute disease or an injury suffered as a result of an accident, – the additional costs which exceed the reasonable and general fee in the country concerned, – the additional costs of hospital treatment resulting from the fact that from a medical point of view it could have been resolved, the Insurance Company was not able to repatriate the Insured (even in a special way) for further treatment to Hungary as a result of the decision of the Insured, – in the event of damages over EUR 150 the costs exceeding EUR 150 if the Insured or representative of the Insured, or rather the medical facility or treating doctor providing medical care to the Insured failed to ask within 24 hours for the consent of the Insurance Company to the utilization of the medical services, – non-emergency medical examination and treatment, – the cost of repatriation made without the consent of the Insurance Company, – operations that can be postponed (programmed operations), – after-treatment, rehabilitation, – psychiatric treatment, – physicotherapy, acupuncture, treatment by quack or chiropractor, – treatment or care by a family member, – medical or hospital treatment resulting from the consumption of alcohol (blood alcohol level over 0,80%o) or drugs or reasons connected to their consumption, Medical insurance services of the Insurance Company: – exclusively in the event of emergency the insurance provides coverage – within the validity period – Classic Premium Prémium Privileg for the costs incurred as a result of illnes up to the amount of EUR 45.000,- of: EUR 80.000,- EUR 160.000,- EUR 500.000.- for the costs incurred as a result of an accident up to the amount of of: EUR 45.000,- 80.000,- EUR 85.000,- 160.000,- EUR 500.000.- (or the equivalent in other currencies) or in case the Insured under the age of 16 benefited by the reduced rates, the Insurance Company shall provide coverage up to the 50 p.c. of above mentioned limits. Above expenses shall be born by the Insurance Company provided the Insured or representative of the Insured or rather the medical facility or treating doctor rendering medical care to the Insured asked for medical assistance from the Insurance Company or from its Partner, or if the Insured had no possibility to ask for such assistance, the Insured informed the Insurance Company or its Partner within the shortest possible period (but latest within 24 hours) on such an event and the Insurance Company permitted the utilization of the services. If the Insured did not inform the Insurance Company or its Partner on such an event in accordance with the above, the Insurance Company shall reimburse the costs incurred up to the amount of EUR 150.-. Insurance services: – emergency medical examination, – emergency medical treatment, – emergency hospital treatment (the Insurance Company reserves the right to cover the costs of hospital treatment abroad until the medical condition of the Insured allows repatriation for further treatment), – additional costs of intensive treatment, – urgent operation, – emergency obstetric care before the 28th week of pregnancy, – reimbursement of the costs of medicaments bought on the basis of a prescription, certified by the original invoice, – renting of artificial limbs, crutches, wheelchair and other medical instruments, equipmentes and tools on the basis of a prescription, – on the basis of a prescription the replacement of glasses necessiated by an accident causing personal injury and needing medical care, up to the amount of EUR 100,- – exclusively urgent dental treatment, direct pain-killing treatment, max. for two teeth, up to the amount of EUR 120.– per tooth, – in case of any pandemic – if the Insured is quarantined by health authorities abroad – the Insurance company covers the costs of diagnostics, hospitalization and repatriation up to the amount of EUR 1.800,-. (If the Insured has purchased a Privilege insurance policy). The insurance policy covers the costs of justified and usual general medical treatment (selection of physician is not allowed), taking into consideration average treatment fees valid in the place of the utilization of the services. Further service of the Premium policy: – additional costs of hospitalization in single or double hospital room. The physician providing treatment or performing examination shall be released from professional secrecy by the Insured Party with respect to the Insurance Company or its representative. 2. The Insurance does not extend to: – any care or purchase of medicaments necessiated by the patient’s former health condition and which is expected at the time of purchasing the insurance policy to become necessary during the period of the insurance, – services which are unnecessary for the establishment of the diagnosis or for the treatment and do not become necessary as a result of an acute disease or an injury suffered as a result of an accident, – the additional costs which exceed the reasonable and general fee in the country concerned, – the additional costs of hospital treatment resulting from the fact that from a medical point of view it could have been resolved, the Insurance Company was not able to repatriate the Insured (even in a special way) for further treatment to Hungary as a result of the decision of the Insured, – in the event of damages over EUR 150 the costs exceeding EUR 150 if the Insured or representative of the Insured, or rather the medical facility or treating doctor providing medical care to the Insured failed to ask within 24 hours for the consent of the Insurance Company to the utilization of the medical services, – non-emergency medical examination and treatment, – the cost of repatriation made without the consent of the Insurance Company, – operations that can be postponed (programmed operations), – after-treatment, rehabilitation, – psychiatric treatment, – physicotherapy, acupuncture, treatment by quack or chiropractor, – treatment or care by a family member, – medical or hospital treatment resulting from the consumption of alcohol (blood alcohol level over 0,80%o) or drugs or reasons connected to their consumption, – vaccination, – routine, control examinations or medical check-ups, – sexually transmitted diseases, – acquired immune deficiency syndrome (AIDS) and related diseases, – contact lenses, hearing aids, and spectacles (regarding the latter-except for the cases of accidents with personal injuries), – suicide, attempt of suicide or costs resulting from the intended commitment of a crime, – costs of treatment necessiated by an accident resulting from physical work by occupation, – the treatment of more than two teeth, – definitive dental treatment, jaw orthopedic treatment, orthodontics, paradental treatments, scalling, preparation and reparation of artificial denture, dental crown, bridge-work, root-canal therapy, – costs of treatment necessiated by an accident resulting from hazardous sport activites, – additional costs of hospitalization in single or double hospital room, hospital treatment that exceeds 30 days – plastic surgery, sunstroke and sunburnt – prenatal care, – obstetrical care and gynecological treatments after the 28th week of pregnancy.

MEDICAL ASSISTANCE AND INSURANCE. 1. What risks does the medical assistance and insurance extend to? After receiving a call, QBE Insurance (Europe) Limited Branch Office in Hungary (hereinafter referred to as the Insurance Company) or its partner, mentioned in the regulations and on the information page (hereinafter referred to as Partner) shall provide to the Insured medical assistance services and cover related costs in accordance with the stipulations of point 1. if the Insured falls ill or suffers an accident while staying abroad during the validity of the insurance. The Insurance Company shall render these services exclusively in emergency situations. The emergency situation involves the cases when the failure to provide immediate medical treatment is expected to endanger the life or security of the Insured or would cause irremediable damages to the health or security of the Insured as well as the cases when based on the symptoms of the disease or illness of the Insured (loss of consciousness, bleeding, infectious acute disease, etc.) or owing to sudden injury to health the Insured needs immediate medical treatment. Medical assistance services of the Insurance Company: – the Insurance Company or its Partner shall send within the shortest possible time a doctor to the place of residence of the Insured or furnishes the Insured with the address of the doctor, – if necessary it shall arrange further health care services to be rendered to the Insured, – in the event of motional incapability the Insurance Company shall arrange the transportation of the Insured to the doctor or hospital by ambulance or taxi, in the event of hospital treatment for max. 30 days a) as soon as the condition of the hospitalized patient makes it possible, the Insured shall be repatriated to Hungary – if necessary accompanied by a doctor or nurse – instead of the treatment abroad and the Insurance Company shall arrange for the patient to be treated in the competent health care institution. The date and mode of repatriation shall be determined by the Insurance Company on the basis of a preliminary reconciliation with the medical attendant or health care institution, b) the Insurance Company shall be in permanent touch with the medical attendant or the health care institution and undertakes to inform continously the relative of the Insured about the condition of the Insured by phone. – in case of any pandemic – if the Insured is quarantined by health authorities abroad – the Insurance company covers the costs of diagnostics, hospitalization and repatriation up According to the amount 1st point of EUR 1.800,-Civil Code 685: 1 §. (If 1) paragraph next of kins are: xxxxxx, lineal relative, adopted-, step- and foster child, adoptive-, step- and foster parents, brother or sister, furthermor relatives are: common-law wife/husband, spouse of lineal relatives, fiance, fiancee, lineal relative and brother or sister of spouse and the Insured has purchased a Privilege insurance policy)spouse of brother and sister. The policy covers the costs of justified and usual general medical treatment (selection of physician is not allowed), taking into consideration average treatment fees valid in the place of the utilization of the services. Further service of the Premium policy: – additional costs of hospitalization in single or double hospital room. The physician providing treatment or performing examination shall be released from professional secrecy by the Insured Party with respect to the Insurance Company or its representative. 2. The Insurance does not extend to: – any care or purchase of medicaments necessiated by the patient’s former health condition and which is expected at the time of purchasing the policy to become necessary during the period of the insurance, – services which are unnecessary for the establishment of the diagnosis or for the treatment and do not become necessary as a result of an acute disease or an injury suffered as a result of an accident, – the additional costs which exceed the reasonable and general fee in the country concerned, – the additional costs of hospital treatment resulting from the fact that from a medical point of view it could have been resolved, the Insurance Company was not able to repatriate the Insured (even in a special way) for further treatment to Hungary as a result of the decision of the Insured, – in the event of damages over EUR 150 the costs exceeding EUR 150 if the Insured or representative of the Insured, or rather the medical facility or treating doctor providing medical care to the Insured failed to ask within 24 hours for the consent of the Insurance Company to the utilization of the medical services, – non-emergency medical examination and treatment, – the cost of repatriation made without the consent of the Insurance Company, – operations that can be postponed (programmed operations), – after-treatment, rehabilitation, – psychiatric treatment, – physicotherapy, acupuncture, treatment by quack or chiropractor, – treatment or care by a family member, – medical or hospital treatment resulting from the consumption of alcohol (blood alcohol level over 0,80%o) or drugs or reasons connected to their consumption, Medical insurance services of the Insurance Company: – exclusively in the event of emergency the insurance provides coverage – within the validity period – Classic Premium Prémium Privileg for the costs incurred as a result of illnes up to the amount of of: EUR 45.000,- EUR 80.000,- 100.000,- EUR 500.000.- for the costs incurred as a result of an accident up to the amount of of: EUR 45.000,- EUR 85.000,- 100.000,- EUR 500.000.- (or the equivalent in other currencies) or in case the Insured under the age of 16 benefited by the reduced rates, the Insurance Company shall provide coverage up to the 50 p.c. of above mentioned limits. Above expenses shall be born by the Insurance Company provided the Insured or representative of the Insured or rather the medical facility or treating doctor rendering medical care to the Insured asked for medical assistance from the Insurance Company or from its Partner, or if the Insured had no possibility to ask for such assistance, the Insured informed the Insurance Company or its Partner within the shortest possible period (but latest within 24 hours) on such an event and the Insurance Company permitted the utilization of the services. If the Insured did not inform the Insurance Company or its Partner on such an event in accordance with the above, the Insurance Company shall reimburse the costs incurred up to the amount of EUR 150.-. Insurance services: – emergency medical examination, – emergency medical treatment, – emergency hospital treatment (the Insurance Company reserves the right to cover the costs of hospital treatment abroad until the medical condition of the Insured allows repatriation for further treatment), – additional costs of intensive treatment, – urgent operation, – emergency obstetric care before the 28th week of pregnancy, – reimbursement of the costs of medicaments bought on the basis of a prescription, certified by the original invoice, – renting of artificial limbs, crutches, wheelchair and other medical instruments, equipmentes and tools on the basis of a prescription, – on the basis of a prescription the replacement of glasses necessiated by an accident causing personal injury and needing medical care, up to the amount of EUR 100,- – exclusively urgent dental treatment, direct pain-killing treatment, max. for two teeth, up to the amount of EUR 120.– per tooth, – in case of any pandemic – if the Insured is quarantined by health authorities abroad – the Insurance company covers the costs of diagnostics, hospitalization and repatriation up to the amount of EUR 1.800,-. (If the Insured has purchased a Privilege insurance policy). The insurance policy covers the costs of justified and usual general medical treatment (selection of physician is not allowed), taking into consideration average treatment fees valid in the place of the utilization of the services. Further service of the Premium policy: – additional costs of hospitalization in single or double hospital room. The physician providing treatment or performing examination shall be released from professional secrecy by the Insured Party with respect to the Insurance Company or its representative. 2. The Insurance does not extend to: – any care or purchase of medicaments necessiated by the patient’s former health condition and which is expected at the time of purchasing the insurance policy to become necessary during the period of the insurance, – services which are unnecessary for the establishment of the diagnosis or for the treatment and do not become necessary as a result of an acute disease or an injury suffered as a result of an accident, – the additional costs which exceed the reasonable and general fee in the country concerned, – the additional costs of hospital treatment resulting from the fact that from a medical point of view it could have been resolved, the Insurance Company was not able to repatriate the Insured (even in a special way) for further treatment to Hungary as a result of the decision of the Insured, – in the event of damages over EUR 150 the costs exceeding EUR 150 if the Insured or representative of the Insured, or rather the medical facility or treating doctor providing medical care to the Insured failed to ask within 24 hours for the consent of the Insurance Company to the utilization of the medical services, – non-emergency medical examination and treatment, – the cost of repatriation made without the consent of the Insurance Company, – operations that can be postponed (programmed operations), – after-treatment, rehabilitation, – psychiatric treatment, – physicotherapy, acupuncture, treatment by quack or chiropractor, – treatment or care by a family member, – medical or hospital treatment resulting from the consumption of alcohol (blood alcohol level over 0,80%o) or drugs or reasons connected to their consumption, – vaccination, – routine, control examinations or medical check-ups, – sexually transmitted diseases, – acquired immune deficiency syndrome (AIDS) and related diseases, – contact lenses, hearing aids, and spectacles (regarding the latter-except for the cases of accidents with personal injuries), – suicide, attempt of suicide or costs resulting from the intended commitment of a crime, – costs of treatment necessiated by an accident resulting from physical work by occupation, – the treatment of more than two teeth, – definitive dental treatment, jaw orthopedic treatment, orthodontics, paradental treatments, scalling, preparation and reparation of artificial denture, dental crown, bridge-work, root-canal therapy, – costs of treatment necessiated by an accident resulting from hazardous sport activites, – additional costs of hospitalization in single or double hospital room, hospital treatment that exceeds 30 days – plastic surgery, sunstroke and sunburnt – prenatal care, – obstetrical care after the 28th week of pregnancy.

MEDICAL ASSISTANCE AND INSURANCE. 1. What risks does the medical assistance and insurance extend to? After receiving a call, QBE ATLASZ Insurance (Europe) Limited Branch Office in Hungary Co. (hereinafter referred to as the Insurance Company) or its partner, mentioned in the regulations and on the information page (hereinafter referred to as Partner) shall provide to the Insured medical assistance services and cover related costs in accordance with the stipulations of point 1. if the Insured falls ill or suffers an accident while staying abroad during the validity of the insurance. The Insurance Company shall render these services exclusively in emergency situations. The emergency situation involves the cases when the failure to provide immediate medical treatment is expected to endanger the life or security of the Insured or would cause irremediable damages to the health or security of the Insured as well as the cases when based on the symptoms of the disease or illness of the Insured (loss of consciousness, bleeding, infectious acute disease, etc.) or owing to sudden injury to health the Insured needs immediate medical treatment. Medical assistance services of the Insurance Company: – the Insurance Company or its Partner shall send within the shortest possible time a doctor to the place of residence of the Insured or furnishes the Insured with the address of the doctor, – if necessary it shall arrange further health care services to be rendered to the Insured, – in the event of motional incapability the Insurance Company shall arrange the transportation of the Insured to the doctor or hospital by ambulance or taxi, in the event of hospital treatment for max. 30 days a) as soon as the condition of the hospitalized patient makes it possible, the Insured shall be repatriated to Hungary Hun- gary – if necessary accompanied by a doctor or nurse – instead of the treatment abroad and the Insurance Company shall arrange for the patient to be treated in the competent health care institution. The date and mode of repatriation shall be determined by the Insurance Company on the basis of a preliminary basisofapreliminary reconciliation with the medical attendant or health care institution, b) the Insurance Company shall be in permanent touch with the medical attendant or the health care institution and undertakes to inform continously the relative of the Insured about the condition of the Insured by phone. – in case of any pandemic – if the Insured is quarantined by health authorities abroad – the Insurance company covers the costs of diagnostics, hospitalization and repatriation up to the amount of EUR 1.800,-. (If the Insured has purchased a Privilege insurance policy). The policy covers the costs of justified and usual general medical treatment (selection of physician is not allowed), taking into consideration average treatment fees valid in the place of the utilization of the services. Further service of the Premium policy: – additional costs of hospitalization in single or double hospital room. The physician providing treatment or performing examination shall be released from professional secrecy by the Insured Party with respect to the Insurance Company or its representative. 2. The Insurance does not extend to: – any care or purchase of medicaments necessiated by the patient’s former health condition and which is expected at the time of purchasing the policy to become necessary during the period of the insurance, – services which are unnecessary for the establishment of the diagnosis or for the treatment and do not become necessary as a result of an acute disease or an injury suffered as a result of an accident, – the additional costs which exceed the reasonable and general fee in the country concerned, – the additional costs of hospital treatment resulting from the fact that from a medical point of view it could have been resolved, the Insurance Company was not able to repatriate the Insured (even in a special way) for further treatment to Hungary as a result of the decision of the Insured, – in the event of damages over EUR 150 the costs exceeding EUR 150 if the Insured or representative of the Insured, or rather the medical facility or treating doctor providing medical care to the Insured failed to ask within 24 hours for the consent of the Insurance Company to the utilization of the medical services, – non-emergency medical examination and treatment, – the cost of repatriation made without the consent of the Insurance Company, – operations that can be postponed (programmed operations), – after-treatment, rehabilitation, – psychiatric treatment, – physicotherapy, acupuncture, treatment by quack or chiropractor, – treatment or care by a family member, – medical or hospital treatment resulting from the consumption of alcohol (blood alcohol level over 0,80%o) or drugs or reasons connected to their consumption, Medical insurance services of the Insurance Company: – exclusively in the event of emergency the insurance provides coverage – within the validity period – Classic Premium Privileg for the costs incurred as a result of illnes up to the amount of EUR 45.000,- EUR 80.000,- EUR 500.000.- for the costs incurred as a result of an accident up to the amount of EUR 45.000,- EUR 85.000,- EUR 500.000.- (or the equivalent in other currencies) or in case the Insured under the age of 16 benefited by the reduced rates, the Insurance Company shall provide coverage up to the 50 p.c. of above mentioned limits. Above expenses shall be born by the Insurance Company provided the Insured or representative of the Insured or rather the medical facility or treating doctor rendering medical care to the Insured asked for medical assistance from the Insurance Company or from its Partner, or if the Insured had no possibility to ask for such assistance, the Insured informed the Insurance Company or its Partner within the shortest possible period (but latest within 24 hours) on such an event and the Insurance Company permitted the utilization of the services. If the Insured did not inform the Insurance Company or its Partner on such an event in accordance with the above, the Insurance Company shall reimburse the costs incurred up to the amount of EUR 150.-. Insurance services: – emergency medical examination, – emergency medical treatment, – emergency hospital treatment (the Insurance Company reserves the right to cover the costs of hospital treatment abroad until the medical condition of the Insured allows repatriation for further treatment), – additional costs of intensive treatment, – urgent operation, – emergency obstetric care before the 28th week of pregnancy, – reimbursement of the costs of medicaments bought on the basis of a prescription, certified by the original invoice, – renting of artificial limbs, crutches, wheelchair and other medical instruments, equipmentes and tools on the basis of a prescription, – on the basis of a prescription the replacement of glasses necessiated by an accident causing personal injury and needing medical care, up to the amount of EUR 100,- – exclusively urgent dental treatment, direct pain-killing treatment, max. for two teeth, up to the amount of EUR 120.– 120.- per tooth. The policy covers the costs of justified and usual general medical treatment (selection of physician is not allowed), taking into consideration average treatment fees valid in the place of the utilization of the services. Further service of the Premium policy: – additional costs of hospitalization in single or double hospital room. The physician providing treatment or performing examination shall be released from professional secrecy by the Insured Party with respect to the Insurance Company or its representative. 2. The Insurance does not extend to: – any care or purchase of medicaments necessiated by the patient’s former health condition and which is expected at the time of purchasing the policy to become necessary during the period of the insurance, – services which are unnecessary for the establishment of the diagnosis or for the treatment and do not become necessary as a result of an acute disease or an injury suffered as a result of an accident, – the additional costs which exceed the reasonable and general fee in the country concerned, – the additional costs of hospital treatment resulting from the fact that from a medical point of view it could have been resolved, the Insurance Company was not able to repatriate the Insured (even in a special way) for further treatment to Hungary as a result of the decision of the Insured, – in the event of damages over EUR 150 the costs exceeding EUR 150 if the Insured or representative of the Insured, or rather the medical facility or treating doctor providing medical care to the Insured failed to ask within 24 hours for the consent of the Insurance Company to the utilization of the medical services, – non-emergency medical examination and treatment, – the cost of repatriation made without the consent of the Insurance Company, – operations that can be postponed (programmed operations), – after-treatment, rehabilitation, – psychiatric treatment, – physicotherapy, acupuncture, treatment by quack or chiropractor, – treatment or care by a family member, – medical or hospital treatment resulting from the consumption of alcohol (blood alcohol level over 0,80%o) or drugs or reasons connected to their consumption, – vaccination, – routine, control examinations or medical check-ups, – sexually transmitted contaminated diseases, – acquired immune deficiency syndrome (AIDS) and related diseases, – contact lenses, hearing aids, and spectacles (regarding the latter-except for the cases of accidents with personal injuries), – suicide, attempt of suicide or costs resulting from the intended commitment of a crime, – costs of treatment necessiated by an accident resulting from physical work by occupation, – the treatment of more than two teeth, – definitive dental treatment, jaw orthopedic treatment, orthodontics, paradental treatments, scalling, preparation and reparation of artificial denture, dental crown, bridge-work, root-canal therapy, – costs of treatment necessiated by an accident resulting from hazardous sport activites, – additional costs of hospitalization in single or double hospital room, hospital treatment that exceeds 30 days – plastic surgery, sunstroke and sunburnt – prenatal care, – obstetrical care after the 28th week of pregnancy.