Common use of Territorial scope of insurance coverage Clause in Contracts

Territorial scope of insurance coverage. The coverage of the Insurer shall cover the whole world. In the case of occurrence of the Insured’s permanent health impairment of at least 50% or exceeding extent thereof, arising from an accident, the Insurer shall pay the insurance amount specified in the contract, irrespec- tive of the degree of the health impairment. The insurance service may be received in lump sum or in annuity. Decision shall be made on the form of the insurance service (lump sum or annuity) by the entitled Party at the date when the insurance service falls due. The value of one insurance service: HUF 1,000,000 as lump sum or, HUF 5,000 monthly amount of annuity. In compliance with this contract the following shall be considered as per- manent health impairment: – health impairment arisen in a direct causal relation with an accident and leading to permanent (irrecoverable) damage to the physical or mental ability – the percentage of the occurred disability or health impairment shall be determined relating to the loss or dysfunction of the below-listed parts of the body or organs of sense, based on a medical examination taking into consideration all relevant circumstances, and based on the authoritative degrees as listed in the following table: Complete loss of vision of both eyes 100% Complete loss of vision of one eye 50% Complete loss of hearing of both ears 60% Complete loss of hearing of one ear 30% Complete loss of sense of smell 10% Complete loss of the gustatory sense 5% Complete loss or complete dysfunction of one arm from shoulder joint 70% Complete loss or complete dysfunction of one arm from above the elbow joint 65% Complete loss or complete dysfunction of one arm from below the elbow joint 60% Complete loss of one hand 55% Loss of a thumb 20% Loss of an index finger 10% Loss of any other fingers, each 5% Complete loss or complete dysfunction of one leg from above the middle of the thigh 70% Complete loss or complete dysfunction of one leg from below the middle of the thigh 60% Loss of one leg up to the knee 50% Loss of one leg up to below the knee 45% Loss of a foot 40% Loss of a big toe 5% Loss of any other toe 2% – in case of partial loss or loss of function of parts of the body or organs of sense, the appropriate percentages of the degrees specified in the table shall be taken into account – in case of loss or loss of functions of organs of sense or parts of the body not listed in the table, the medical expert of the Insurer shall determine the degree of the damage to the physical or mental ability of the Insured – if more than one functions have been damaged by the same accident, the degrees of disability determined on the basis of table shall be cumulated – the statement of the medical expert of the Insurer shall be independent of the statement of any other medical or social security institution – should any functions or parts of the body - the functional ability of which parts of the body had already been damaged prior to the accident - be damaged in the course of an accident, the degree of the prior disability shall be deducted on the basis of the table from the actual loss of func- tion at the determination of the service. The final determination of the degree of permanent health impairment shall take place with the passing of one year following the insured event. Within this period a payment in advance may be effected – taking into account the expected amount of claim. In case of permanent health impairment the Insured shall be entitled to have his or her medical condition reviewed once a year – but not more than within two years following the insured event – and in case of any worsening of his or her medical condition to file a claim for further services.

Territorial scope of insurance coverage. The coverage of the Insurer shall cover the whole world. In the case of occurrence of the Insured’s permanent health impairment impair- ment of at least 50% or exceeding extent thereof, arising from an accidentacci- dent, the Insurer shall pay the insurance amount specified in the contractcon- tract, irrespec- tive irrespective of the degree of the health impairment. The insurance insur- ance service may be received in lump sum or in annuity. Decision shall be made on the form of the insurance service (lump sum or annuity) by the entitled Party at the date when the insurance service falls due. The value of one insurance service: HUF 1,000,000 as lump sum or, HUF 5,000 monthly amount of annuity. In compliance with this contract the following shall be considered as per- manent permanent health impairment: – health impairment arisen in a direct causal relation with an accident and leading to permanent (irrecoverable) damage to the physical or mental ability – the percentage of the occurred disability or health impairment shall be determined relating to the loss or dysfunction of the below-listed parts of the body or organs of sense, based on a medical examination examina- tion taking into consideration all relevant circumstances, and based on the authoritative degrees as listed in the following table: Complete loss of vision of both eyes 100% Complete loss of vision of one eye 50% Complete loss of hearing of both ears 60% Complete loss of hearing of one ear 30% Complete loss of sense of smell 10% Complete loss of the gustatory sense 5% Complete loss or complete dysfunction of one arm from shoulder joint 70% Complete loss or complete dysfunction of one arm from above the elbow joint 65% Complete loss or complete dysfunction of one arm from below the elbow joint 60% Complete loss of one hand 55% Loss of a thumb 20% Loss of an index finger 10% Loss of any other fingers, each 5% Complete loss or complete dysfunction of one leg from above the middle of the thigh 70% Complete loss or complete dysfunction of one leg from below the middle of the thigh 60% Loss of one leg up to the knee 50% Loss of one leg up to below the knee 45% Loss of a foot 40% Loss of a big toe 5% Loss of any other toe 2% – in case of partial loss or loss of function of parts of the body or organs of sense, the appropriate percentages of the degrees specified in the table shall be taken into account – in case of loss or loss of functions of organs of sense or parts of the body not listed in the table, the medical expert of the Insurer shall determine the degree of the damage to the physical or mental ability abili- ty of the Insured – if more than one functions have been damaged by the same accidentacci- dent, the degrees of disability determined on the basis of table shall be cumulated – the statement of the medical expert of the Insurer shall be independent independ- ent of the statement of any other medical or social security institution – should any functions or parts of the body - the functional ability of which parts of the body had already been damaged prior to the accident acci- dent - be damaged in the course of an accident, the degree of the prior disability shall be deducted on the basis of the table from the actual loss of func- tion function at the determination of the service. The final determination of the degree of permanent health impairment shall take place with the passing of one year following the insured event. Within this period a payment in advance may be effected – taking tak- ing into account the expected amount of claim. In case of permanent health impairment the Insured shall be entitled to have his or her medical condition reviewed once a year – but not more than within two years following the insured event – and in case of any worsening of his or her medical condition to file a claim for further fur- ther services. – Accidents occurring in a causal relation with the mental disorder or disorientation of the Insured, as well as suicide or attempted suicide of the Insured or the Insured being intoxicated. – Accidents suffered by the Insured while committing an intentional criminal act or in the course of an attempt thereof or in relation therewith. – Accidents caused directly or indirectly by war or civil war events, fur- thermore accidents that occur owing to active participation of the Insured in internal riots or protests. – Accidents suffered with powered or not powered aircrafts or any fly- ing devices, or gliders, or in the course of parachuting, as well as being a member of the aircraft’s personnel. – Accidents caused directly or indirectly by radioactive nuclear energy or ionising radiation. – Injuries caused by sunstroke, heat-stroke, sunburn, frostbite. – Health impairments resulting from medical treatment or intervention (except if such has been necessitated by an accident covered by the contract). – Infections which cannot be brought into relation with accidents, ill- nesses resulting from insect-bites regarding infections which are not indigenous in Europe. – Poisoning or injuries resulting from intentional ingestion of solid, liquid or gaseous materials, substances, including drugs and other narcotics. – Abdominal or hypogastric hernia (exertion in lifting heavy objects) if not in a causal relation with the given accident. – Injuries of vertebral disk, sprains, straints, bleeding and cerebral haemorrhages not originating from an accident. – Accidents occurring during professional or competitive sporting activities or training therefore. – Accidents that occur during the performance of armed service by the Insured, as well as accidents occurring during and in relation with the carrying or use of firearms by the Insured.

Territorial scope of insurance coverage. The coverage of the Insurer shall cover the whole world. In the case of occurrence of the Insured’s permanent health impairment impair- ment of at least 50% or exceeding extent thereof, arising from an accidentacci- dent, the Insurer shall pay the insurance amount specified in the contractcon- tract, irrespec- tive irrespective of the degree of the health impairment. The insurance insur- ance service may be received in lump sum or in annuity. Decision shall be made on the form of the insurance service (lump sum or annuity) by the entitled Party at the date when the insurance service falls due. The value of one insurance service: HUF 1,000,000 2,000,000 as lump sum or, HUF 5,000 monthly amount of annuity. In compliance with this contract the following shall be considered as per- manent permanent health impairment: – health impairment arisen in a direct causal relation with an accident and leading to permanent (irrecoverable) damage to the physical or mental ability – the percentage of the occurred disability or health impairment shall be determined relating to the loss or dysfunction of the below-listed parts of the body or organs of sense, based on a medical examination examina- tion taking into consideration all relevant circumstances, and based on the authoritative degrees as listed in the following table: Complete loss Loss of vision the sight of both eyes 100% Complete loss Loss of vision the sight of one eye 50% Complete loss Loss of the hearing of both ears 60% Complete loss Loss of the hearing of one ear 30% Complete Total loss of sense of smell olfaction 10% Complete Total loss of the gustatory sense gustation 5% Complete Total loss or complete dysfunction of one arm from the shoulder joint or total loss of functionality of one arm 70% Complete Total loss or complete dysfunction of one arm from above beyond the elbow joint or total loss of function 65% Complete Total loss or complete dysfunction of one arm from below under the elbow joint 60% Complete Total loss of one hand 55% Loss of a thumb 20% Loss of an index finger 10% Loss of any other fingers, each 5% Complete loss or complete dysfunction of one leg from above over the middle of the thigh or total loss of function 70% Complete Total loss or complete dysfunction of one leg from below the middle of the thigh or total loss of function 60% Loss of one leg up to the knee 50% Loss of one leg up to below from under the knee 45% Loss of a foot 40% Loss of a big toe 5% Loss of any other toe toes, per each 2% – in case of partial loss or loss of function of parts of the body or organs of sense, the appropriate percentages of the degrees specified speci- fied in the table shall be taken into account – in case of loss or loss of functions of organs of sense or parts of the body not listed in the table, the medical expert of the Insurer shall determine the degree of the damage to the physical or mental ability abil- ity of the Insured – if more than one functions have been damaged by the same accidentacci- dent, the degrees of disability determined on the basis of table shall be cumulated – the statement of the medical expert of the Insurer shall be independent inde- pendent of the statement of any other medical or social security institution – should any functions or parts of the body - the functional ability of which parts of the body had already been damaged prior to the accident - be damaged in the course of an accident, the degree of the prior disability shall be deducted on the basis of the table from the actual loss of func- tion function at the determination of the service. The final determination of the degree of permanent health impairment shall take place with the passing of one year following the insured event. Within this period a payment in advance may be effected – taking tak- ing into account the expected amount of claim. In case of permanent health impairment the Insured shall be entitled to have his or her medical condition reviewed once a year – but not more than within two years following the insured event – and in case of any worsening of his or her medical condition to file a claim for further fur- ther services. – Accidents occurring in a causal relation with the mental disorder or disorientation of the Insured, as well as suicide or attempted suicide of the Insured or the Insured being intoxicated. – Accidents suffered by the Insured while committing an intentional criminal act or in the course of an attempt thereof or in relation therewith. – Accidents caused directly or indirectly by war or civil war events, fur- thermore accidents that occur owing to active participation of the Insured in internal riots or protests. – Accidents suffered with powered or not powered aircrafts or any fly- ing devices, or gliders, or in the course of parachuting, as well as being a member of the aircraft’s personnel. – Accidents caused directly or indirectly by radioactive nuclear energy or ionising radiation. – Injuries caused by sunstroke, heat-stroke, sunburn, frostbite. – Health impairments resulting from medical treatment or interven- tion (except if such has been necessitated by an accident covered by the contract). – Infections which cannot be brought into relation with accidents, ill- nesses resulting from insect-bites regarding infections which are not indigenous in Europe. – Poisoning or injuries resulting from intentional ingestion of solid, liq- uid or gaseous materials, substances, including drugs and other nar- cotics. – Abdominal or hypogastric hernia (exertion in lifting heavy objects) if not in a causal relation with the given accident. – Injuries of vertebral disk, sprains, straints, bleeding and cerebral haemorrhages not originating from an accident. – Accidents occurring during professional or competitive sporting activities or training therefore. – Accidents that occur during the performance of armed service by the Insured, as well as accidents occurring during and in relation with the carrying or use of firearms by the Insured.