terms and conditions - business travel insurance · for travel delays, after 4 hours the insurance...

Terms and conditions - Business travel insurance

Version 5

Wording P 7

2016-03-01

This being a translation, the original Swedish wording shall always prevail.

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General Contract Provisions

List of Contents Business Travel Insurance .............. (3) 1.1 INSURANCE VALIDITY AND SCOPE ............ (3) 1.1.1 Who is covered by the insurance .............. (3) 1.2 WHEN THE INSURANCE APPLIES ............... (3) 1.3 WHERE THE INSURANCE APPLIES .................. 1.4 WHAT THE INSURANCE APPLIES TO ........... {0} 1.5 LIMIT OF INDEMNITY ................................... {0} 1.6 EXCESS ........................................................ 5 1.7 MEDICAL AND TRAVEL EXPENSES, DISABILITY AND DEATH BENEFITS, BAGGAGE AND DELAY PROTECTION, EMERGENCY INSURANCE AND

EXCESS PROTECTION .............................................. 5 1.7.1 Medical and travel expenses in case of acute illness or accidental injury........................................ 5 1.7.2 Disability and death compensation in case of accidental injury ....................................................... 9 1.7.3 Security regulations .................................... 11 1.7.4 Luggage Protection (multi risk) ....................... 1.7.5 Delay protection ......................................... 14 1.7.6 Emergency insurance (treatment cost) ...... 15 1.7.7 Excess protection ....................................... 16 1.8 FLIGHT ACCIDENT, WAR RISKS, NUCLEAR DAMAGE, AND EVACUATION BY NATURAL

DISASTER .............................................................. 17 1.8.1 Flight accident ............................................ 17 1.8.2 War risks .................................................... 17 1.8.3 Atomic damage .......................................... 18 1.8.4 Evacuation in case of natural disaster ........ 18 1.9 CLAIM ASSESSMENT RULES ....................... 18 1.9.1 Amount of disability compensation ............. 18 1.9.2 Damage to property (luggage) ................... 19 1.10 COMPENSATION POLICY ............................ 21 1.10.1 Provoking insurance case .......................... 22 1.10.2 Breach of regulation ................................... 22 1.10.3 Other compensation rules .......................... 22

1.10.4 Date of payment of compensation and interest provisions ................................................. 22 1.11 LOSS ADJUSTMENT PROVISIONS ................ 23 1.12 LIABILITY FOR PRIVATE INDIVIDUALS ........ 24 1.12.1 Insured persons ........................................ 24 1.12.2 When the insurance applies ..................... 24 1.12.3 Insurance Amount .................................. 24

1.12.4 SCOPE OF THE POLICY ......................... 24 1.12.5 Loss adjustment provisions ...................... 25 1.13 LEGAL PROTECTION INSURANCE FOR

PRIVATE INDIVIDUALS ........................................... 26 1.13.1 Insured persons ........................................ 26 1.13.2 When the insurance applies ..................... 26 1.13.3 Where the insurance applies .................... 26 1.13.4 Insurance Amount .................................. 26

1.13.5 Excess ...................................................... 26 1.13.6 What the insurance applies to .................. 26 1.13.7 Loss adjustment provisions ...................... 28 1.14 ASSAULT COVER (PHYSICAL PERSONAL

INJURY) ................................................................. 28 1.14.1 Who the insurance applies to ................... 28 1.14.2 Maximum compensation ........................... 29 1.14.3 The policy covers ...................................... 29 1.14.4 Claims assessment and compensation rules 31 1.14.5 Loss adjustment provisions ...................... 32

2 -2 CANCELLATION INSURANCE – ADDITIONAL AGREEMENTS ..................... 34

2.1 INSURANCE SCOPE AND INSURANCE

AMOUNT ................................................................ 34

{0} (3) DEFINITION – EXPLANATIONS ...... 34

3.1 PROPERTY TYPES .................................... 34 3.2 OTHER ............................................................. 34

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1 Business Travel Insurance This insurance contract also applies to what is stated in the general contract provisions.

1.1 Validity and scope of the insurance

1.1.1 Who is covered by the insurance applies

The policyholder, as the employer, has signed this insurance contract for all his employees, as the insured, unless otherwise specified in the insurance policy. The policy holder is also insured in 1.7.5 Luggage Protection in respect of the property that he owns rents or borrows and takes on the business trip as an employee. If indicated in the insurance policy, the insurance also includes a co-traveller who is not employed. The policyholder has the exclusive right to enter into an agreement with Trygg-Hansa to amend or terminate the insurance and to receive the cancellation of the insurance. Trygg-Hansa has the right to negotiate only with the insured regarding insurance claims and to provide insurance compensation. Note An employed person also refers to the CEO, contracted intern, board member, voluntary workers and officials when they are working on behalf of the policyholder. An insured person must be a permanent resident in the Nordic countries (home country) and insured in a general insurance institution in the home country. Exclusions The insurance does not cover

A person who is habitually resident in a country outside the Nordic region

Travel to and from a residence/temporary residence and the regular workplace in the home country

A person who mainly has his or her place of work on ships, trains or aircraft, unless otherwise agreed

Sspecific professions where the insured has no fixed place of work and regularly performs his/her daily work in different places, such as construction and civil engineering workers, repairers, fitters, drivers and staff from Employment agencies. The insurance does not apply during the trips included in the normal tasks. However, this exception may be lifted by extending the insurance policy to those professions.

1.2 When the insurance applies The insurance applies – unless otherwise agreed – for Business travel during the insurance period if the insurance has been in force from when the insured leaves the dwelling or the ordinary place of work and terminates upon return to one of these sites, however at most for a continuous period of 210 days, unless otherwise stated in the insurance policy. If the business trip is cancelled for a return trip to Sweden, the return trip is calculated as the same trip and not as a new journey.

Private Trips In connection with business travel abroad, the insurance also applies to private travel. This applies provided that the journey is made in direct connection with and after the end of the business trip, before the return to the place of business or residence occurs. The journey or stay is valid for a maximum of 7 days after the business trip or service has ended. Note Business travel refers to work travel/assignment carried out by the policyholder. The destination of the journey shall be outside the insured's ordinary place of Business. The place of business refers here to an area whose external border is situated at a distance of 50 km (the nearest route) from the place of work of the insured or from his residence. Travel between the insured's place of work and his/her home is not to be regarded as a business trip.

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Supplementary agreement for close travel Without a special supplementary agreement, the insurance does not include travel with a shorter distance than stated above. However, the insurance can be extended to the so-called närresor, if this is specifically stated in the insurance policy. Note "Närresor" means the journey within the 50 km limit specified above. This journey/assignment shall also be carried out on behalf of the policyholder.

1.3 Where the insurance applies The insurance is valid throughout the world except for those countries/areas to which the Ministry of Foreign Affairs (UD) wholly or partly advises against travelling.

Exclusions If a work trip to a country/area mission is conducted, despite the travel advice issued of the Ministry of Foreign Affairs (UD), the insurance shall not apply in the current country/area. Note The above refers to the conditions that apply at the commencement of the business trip. For information about the countries/areas to which the Foreign Ministry advises against travelling, see www.regeringen.se This exclusion can be waived in cases where the damage is wholly unrelated to the Foreign Ministry's advice. Note What is said about Sweden in these conditions also applies to each of the other countries in the Nordic region, if the insured person resides there.

War damage Thespecific provisions apply in areas affected by war, warlike events, etc., see 1.8.2 (War damage).

1.4 What the insurance applies to The insurance covers

Health and travel expenses in case of Acute disease and accidental injury and disability and death compensation in case of accidental injury according to • medical costs, see 1.7.1.1 • travel expenses, see 1.7.1.2 • disability and death benefits in case of accidental injury see 1.7.2.

left-luggage cover, see 1.7.4

delay protection, see 1.7.2

emergency insurance, see 1.7.6

excess protection, see 1.7.7

liability insurance (indemnity) for a private individual, see 1.12

legal protection insurance for a private person, see 1.13

assault protection (physical personal injury), see 1.14.

• Specific provisions VID Flight accidents, war risks and nuclear damage special provisions see 1.8.

1.5 Insurance Amount The insurance reimburses the necessary and reasonable costs of medical and travel expenses and travel interruptions as follows:

medical and dental treatment costs

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• in case of an accident for up to 5 years • in case of acute illness for 60 days

travel related to care and treatment

additional cost of policy holder's journey home or trip to severely ill or seriously injured family member

new departure or replacement trip

additional costs for food and lodging

travel interruption • extra cost for home travel • new departure or replacement trip.

The insurance is otherwise subject to the following insurance amounts per insured, unless otherwise stated in the insurance policy:

disability amount (principal amount) due to an accident at 100% disability before the age of 65 years is SEK 700,000 (unless otherwise stated in the insurance policy) and 100% disability after the age of 65 years is SEK 100,000

the death amount (principal amount) due to an accident is SEK 200,000. The amount can be increased.

for luggage protection of personal movable property and property that belongs to the company, the insurance amount is SEK 40,000. The amount can be increased. • of the insurance amount for personal movable property and property that belongs to the

company as described above, the insurance amount for prone property is SEK 20,000. The amount can be increased.

for travel documents, the insurance amount is SEK 15,000. the amount can be increased.

for money, the insurance amount is SEK 4,000. The amount can be raised.

in case of delayed travel, the insurance amount is SEK 3,000. unless otherwise stated in the insurance policy. after a total of 48 hours the insurance amount is doubled.

for travel delays, after 4 hours the insurance amount is SEK 3,000

for travel commencement protection, the insurance amount is SEK 25,000.

1.6 Excess

The insurance applies – unless otherwise stated in the insurance policy – without excess for all of the insurance elements, except 1.13 (legal insurance for private individuals).

1.7 Health and travel expenses, disability and death benefits, baggage and delay protection, crisis insurance and excess protection

1.7.1 Medical and travel expenses in case of acute illness or accidental injury

With the limitations and exclusions described in section 1.7.3 below applicable, applies that if the insured during a Business Travel

suffer from acute illness or accidental injury they will be compensated for necessary, reasonable and verified • medical expenses (medical costs and dental costs) according to 1.7.1.1 below • travel expenses (local travel, home journey, return travel, meals and accommodation, etc.)

according to 1.7.1.2 below

accidental injury that leads to disability or death are left disability and death compensation as 1.7.2.2 below.

The concept of acute disease An acute illness here means an unforeseen deterioration in the state of health, which is not to be regarded as accidental injury.

The concept of accidental injury Accidental injury means: Bodily injury suffered by the insured involuntarily by a sudden external event, one based on external violence against the body.

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General Contract Provisions If the bodily defect (disease, morbid change, lyte and marking) already existed when the accident occurred or if this occurs later, unrelated to accidental injury, and it can be presumed that the bodily defect causes the consequences of injury to worsen, only compensation for the consequences that arise regardless of the bodily defect and solely because of the accidental injury will be granted. Accidental injury also includes:

frostbite

heat stroke

sunstroke

infection due to tick bites

achilles tendon rupture and rotary violence against knees. Accidental injury does not include:

tooth damage from biting and chewing

damage caused by infection by bacteria, viruses or other infectious agents

damage caused by the use of medical preparations, surgery, treatment or examinations not caused by accidental injury as covered by this insurance

a deterioration in health if this deterioration according to medical experience would probably have occurred even if the accidental injury had not.

Limitation In the event of a flight accident, war damage or nuclear damage, special provisions apply, see 1.8.

1.7.1.1 Medical costs

Medical costs Compensation is provided for the necessary and reasonable costs for the care and treatment of qualified physicians, hospital care and for treatment and assistive technology prescribed by doctors for healing. The compensation is limited in case of:

acute illness to costs up to 60 days from First Doctor's visit

accidental injury to expenses incurred within 5 years from the date of accidental injury occurred. After 60 days, only healthcare costs in Sweden are reimbursed.

Reimbursement of medical expenses is not given if the final reimbursement of the disability insurance has been disbursed.

Dental costs Compensation is provided for the necessary and reasonable costs of temporary treatment of acute dental problems that must be carried out during the trip by a dentist at the place of stay. Dental problems is equal with damage to dentures that were in place in the mouth when it was damaged. If the insured’s teeth are injured due to accidental injury, compensation is also provided for treatment which is performed by a dentist in Sweden within 5 years of the accident. Treatment and costs must be approved in advance by Trygg-Hansa. For treatment with single implant, a maximum of 50% of the price base amount is paid. For implants in the form of bridge therapy, compensation is paid with a maximum of 50% of the price base amount per implant aid. Maximum compensation is 1 price base amount for the whole implant treatment. The applicable price base amount at the payment disbursement is applied. Damage to fixed prostheses is reimbursed in accordance with the rules applicable to damage to the natural tooth. This also applies to removable dentures which, when damaged, were in place in the mouth.

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General Contract Provisions If the insurance has provided compensation for the final treatment of the tooth injury, no further compensation is provided. However, the compensation may be provided if deterioration occurred that was not predictable during final processing and is due to accidental injury. This should be done no later than 3 years after final treatment has been performed. In the event of temporary treatment of acute dental problems and damage caused by chewing or biting, the compensation is limited to SEK 3,000. Note In case of dental care which in Sweden would have been compensated by the Swedish Social Insurance agency or county council, e.g. in case of occupational injury, the insured should primarily apply to the insurance fund/County Council for compensation.

LIMITATION If, in the event of accidental injury there are pathological or other changes that are normal in relation to age, compensation is only paid for the damage that may be presumed to have been the result if the changes did not precede the occurrence of the injury. Damage caused by chewing or biting does not count as an accident and is not compensated. However, compensation is paid for temporary dental treatment carried out at the place of stay as described below.

Additional costs for food and accommodation and certain travel expenses In connection with any other damage as acute disease or accidental injury that qualifies for compensation it will be provided for the insured and an accompanying insured person covered by the insurance. Compensation will be granted for:

necessary and reasonable additional costs, as documented with receipts, for accommodation outside the domicile

additional costs for meals with a maximum of SEK 200 per day and person. This is the case if a qualified and unbiased doctor prescribes an extension of stay or changed accommodation. If the business trip been undertaken by air and the return flight tickets cannot be rebooked, compensation for necessary and reasonable ticket costs is provided because the disease or the accidental injury caused an extension of the time of stay in the place of residence. The costs must be approved by SOS International or Trygg-Hansa and can be substantiated with original receipts.

LIMITATION Compensation is provided up to 60 days from the first doctor's appointment.

1.7.1.2 Travel expenses in case of acute illness or accidental injury

Travel in connection with health care and dental care The following travel expenses are covered: If the insured needs to travel to get medical or dental care, compensation is paid for his local travel expenses. If the insured person needs to travel home to seek medical treatment in Sweden, it will be reimbursed in accordance with the "additional cost of home travel to the place of residence" below.

Extra cost for home travel If the competent and unbiased doctor at the place of stay abroad assesses that the insured must return to the place of residence in Sweden for continued care, compensation shall be paid for the additional cost of the home journey. Both the necessity of the return journey and the method of travel must be prescribed by the doctor at the place of stay and approved by SOS International A/S or Trygg-Hansa.

Home travel of the deceased or funeral on location Should the insured die during the business trip, Trygg-Hansa pays the cost of home travel of the deceased by air, car, train or boat.

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General Contract Provisions LIMITATION In case of death outside Sweden, the costs of a funeral on the location can be paid instead of transportation home, though not amounts exceeding SEK 30,000.

Close relatives travel to visit the severely ill or deceased insured party If the insured is affected by Acute illness or accidental injury abroad and doctors assess the condition as life threatening, Trygg-Hansa will pay for the necessary and reasonable costs for ticket and subsistence for two close relatives travel from Sweden and back. The same applies if the insured dies abroad and the funeral takes place at the place of stay. Travel from other country than Sweden can be paid up to what it costs to travel from Sweden and back.

New departure or replacement trip If the insured person is not able to carry out his/her work because of acute disease or accidental injury, which has occurred during the course of work, the employer can get compensation for tickets by Trygg-Hansa for:

alternates travel if the employer, for business reasons, have to replace the insured person with another

new departure for the insured person if he/she is to resume work after recovery and for the home journey of their alternate.

Home travel in case of illness/severe accidental injury/death of relatives Trygg-Hansa provides compensation for necessary and reasonable additional costs for return to the place of residence in Sweden by means of transport on regular services if the insured is forced to discontinue the journey earlier than expected due to the death or serious acute illness or a more severe accidental injury of close relatives, close work colleague at home or colleagues who are travelling and are covered by the same insurance. The condition shall be assessed by a physician as life-threatening.

LIMITATION Compensation for the necessary return journey is only provided if the insured person comes home at least 48 hours before the intended and planned return.

COMPENSATION The insurance also includes compensation to the employer for ticket costs when travelling by means of transport on regular services for:

alternates travel if the employer, for business reasons, have to replace the insured with another person or

new departure for the insured person if he/she is to resume his/her work after a close relative has recovered or died and for the home journey of the alternate.

Home travel due to material damage to the private residence Trygg-Hansa provides compensation for necessary and reasonable additional costs for return to the place of residence in Sweden by means of transport on regular services if the insured is forced to discontinue the journey earlier than expected due to:

material injury affecting the insured's private property in his ordinary residence in Sweden due to fire or similar serious unforeseen event. The return trip must be approved in advance by Trygg-Hansa.

LIMITATION Compensation for the necessary return journey is only provided if the insured person comes home at least 48 hours before the intended and planned return.

COMPENSATION The insurance also includes compensation to the employer for ticket costs when travelling by means of transport on regular services for:

alternates travel if the employer, for business reasons, have to replace the insured with another person or

new departure for the insured if he resumes his work and for the return journey of alternates.

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1. 7.2 Disability and death compensation in case of accidental injury If the insured suffers from Accidental injury and this leads to permanent disability or death, compensation will be granted for

medical or economic disability

death

Insurance Amount The insurance amounts – lump sums – for disability and death are specified in the insurance policy.

Limitation Disability compensation can never be provided for both medical and economic disability. If the health of the insured has deteriorated due to a bodily defect (disease, morbid change, lyte and marking) that either already existed when the accidental injury took place or which came about later unrelated to the accidental injury, no compensation is provided for the disability caused by the aggravation. Note The insured must have sought medical advice from the doctor who issued a medical certificate during the business trip, or otherwise be able to prove that the accidental injury occurred during the journey.

The concept of disability Disability means that the accident injury has entailed, for the future, permanent reductions in the body function. Or that he insured person future work capacity has been reduced by at least 50% as a result of the injury. The assessment of the degree of disability distinguishes between medical and economic disability.

1.7.2.1 Right to disability allowance The right to disability compensation occurs if accidental injury has entailed a lasting loss of the insured's body function and the condition is static and not life threatening. Static means that the condition is not changing for the better or worse. The condition for entitlement to a disability allowance is, first, that the accidental injury occurred during the period when the insurance was in force and, second, that medical disability occurred within 3 years from the insurance was last in effect. In case of medical disability, the right to a disability allowance is only valid earliest 12 months after the accidental injury occurred. However, the disability assessment may be postponed as long as this is necessary, according to medical experience or in the light of the existing rehabilitation opportunities. If the insurance is no longer in force when the definitive degree of disability is to be assessed, only direct consequences of the accident will be taken into account that occurred when the insurance was in force. If when the disability arise, the definitive degree of medical disability is not yet assessed, the insured if possible will get an advance. This should respond to the medical disability that can be ensured. In case of final disability assessment, amounts are paid equal to the percentage increase in the replacement rate. Index at payment is applied. Compensation is paid to the insured. If the right to a disability allowance occurs, the disability allowance is not paid. If disability allowance is legitimate, the amount corresponding to the definitive medical disability covered by the death shall be paid.

Right to review If the accidental injury entails a significant deterioration of the body function of the insured person after Trygg-Hansa has taken a final position on the insured person's right to compensation in the event of

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General Contract Provisions accidental injury, the insured has the right to have the degree of disability reconsidered due to the new circumstances. The reconsideration shall be admissible if the insured person, no later than 10 years from when the accidental injury occurred, submits in writing his request for reconsideration to Trygg-Hansa, while at the same time, providing information on the circumstances that may entail the right to reconsideration.

Disability Aids In addition to the compensation for disability determined after the disability rate, compensation is provided for aids and rehabilitation aids which are deemed by doctors to be necessary to alleviate a disability condition and which are not, by law or by specific statutes, to be compensated from other sources, such as municipalities, county councils or other insurance.

Maximum compensation A total of SEK 50,000 will be paid if Trygg-Hansa has approved the cost in advance. Compensation is granted for a maximum of 5 years from when the accident injury occurred. Provided that the measures are taken in the time when the insurance is in force.

Compensation for disfiguring scars in case of accidental injury The insurance compensates scars or other disfiguration as a result of accidental injury that required medical treatment. Compensation can only be provided if the injury is so serious that medical treatment is required. It is not enough for if a doctor only looked at the damage without providing treatment. For example, treatment refers to wounds that need to be sewn or taped. Compensation is provided according to one of Trygg-Hansa set tables regarding the payment. The right to compensation will only occur after the treatment is completed and after the scars or disfiguration has been deemed residual for the future, but not earlier than one year from the day the damage occoured.

Exclusions The insurance does not cover:

damage not requiring medical treatment

scars or other disfiguration caused by accidental injury that occurred before the commencement of the insurance.

1.7.2.2 Right to death grants The right to a death grant exists if the insured person, as a result of the accidental injury, dies within 3 years.

Insurer For death insurance, Holmia Livförsäkring AB (516401-6510) Box 50, 106 26 Stockholm is the insurer.

Amount of compensation The death amount is stated in the insurance policy.

Beneficiaries The compensation is paid to the estate of the insured, unless a special beneficiary's mandate has been notified to Trygg-Hansa. A special Beneficiary's form can be ordered from Trygg-Hansa.

1.7.2.3 Exclusions The following exclusion (1.7.3.1 – 1.7.3.4) applies jointly to 1.7.1.1 (medical costs), 1.7.1.2 (travel expenses) and 1.7.2 (Accident disability and death benefits).

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1.7.2.4 State of health/care needs Compensation is not paid

for medical costs, travel costs or other expenses if the need for care already existed when the insured started the business trip. However, compensation may be provided if the health status of the insured acutely worsened during the business trip, and this was not predictable. Compensation is then provided for the additional cost that the aggravation entails

for healthcare travel or other costs associated with sickness or accidents that were predictable before departure from Sweden

for costs that can be reimbursed by the general insurance fund

additional costs due to pathological or normal old age changes

for health travel or other expenses caused by childbirth or pregnancy at a later stage than the 28th week.

for cost of home travel or other transport caused by the insured's fear of infection

for vaccinations, preventative health care and normal dentistry

refers to private healthcare in the Nordic region.

1.7.2.5 Transport Compensation is not paid for

the costs of vessels or aeroplanes having to change their flight plan because of the injury or illness of the insured.

1.7.2.6 Activities Compensation is not paid for the cost of Acute illness or accidental injury arising when the insured has exercised:

boxing, kickboxing, Thai Boxing, shootfighting or K1

mountaineering, scuba diving (however, if insured has a valid international diving certificate, the insurance applies), skydiving, gliding and parachuting, kite flying, bungy jumping, and participation in expeditions or other hazardous activities

participation in sports, sports competitions or organised training, as a professional athlete. This means that more than half of the earned income comes from the sport practised

participation in a competition or organised training for a race with motor vehicles in which license insurance applies.

1.7.2.7 Other Compensation is not paid for costs that

loss of income

are approved or can be approved as a work injury

may be substituted elsewhere by law, statute, convention or other insurance.

1. 7.3 Security regulations The insurance applies with the following safety regulation and penalty (reduced compensation) if the requirements are not followed.

1.7.3.1 Penalty when the safety regulation/prudential requirements have not been followed

In order not to reduce the compensation as described above, the following safety regulation/prudential requirements must be met:

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Insured persons must not have abused medicinal products or used alcohol, drugs or other intoxicants and in connection with this suffered from acute disease or a accidental injury.

Normally, the compensation is reduced by 25%. Compensation might, however, not be reduced if the insured person is likely to have no correlation between the influence of alcohol and the injury.

1.7.4 Luggage Protection (multi risk)

1.7.4.1 What the insurance applies to The insurance applies to damage to luggage during a business trip caused by a sudden and unforeseen event. Damage also means loss. Note The suddenness means that the event that triggered the damage had a relatively rapid course of action. The unforeseen occurrence of the event means that it has occurred unexpectedly and that it has not normally been anticipated and thereby prevented. Damage caused by, for example, wear or age is not compensated.

Insurance Amount The insurance is valid with the insurance amount specified in item 1.5 (insurance amount) unless otherwise stated in the insurance policy.

Insured property The insurance applies to baggage that the insured owns, rents or borrows and which consists of

movable property including theft-prone property

travel documents and money However, only to the extent that compensation cannot be obtained through other insurance or other contracts.

Property not covered The insurance does not cover

motor vehicles (e.g. car, motorcycle, moped), caravans or other trailer. However, the insurance applies to electric wheelchairs

steam boats, motorboats, jet skis, sailboats or surfboard

hovercrafts, airboats, aircrafts, balloons or similar craft.

The insurance also does not apply to parts or equipment for the above mentioned vehicles and craft.

goods intended for sale, tools and sample collections

tools, measuring instruments, work materials and similar aids in the construction sector

exhibit and material for exhibition

animals

household goods when moving

drawings, archives and data information, and software licenses.

1.7.4.2 Exclusions What the insurance does not apply to

Money, travel documents or theft-prone property

Damage to money, travel documents or theft-prone property forgotten, lost or misplaced, even if the property is later stolen or damaged. Note With forgotten, lost or misplaced means even when the property has disappeared even if the insured can not explain how.

Damage to money, travel documents or theft-prone property When such property is provided for transport or check-in. However, compensation may be provided for prone property that has been checked in if the property is rejected as hand baggage due to its size and/or weight. Maximum compensation per package SEK 10,000.

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Property in or on motor vehicles etc. The insurance is valid in Sweden.

Damage to money or travel documents left in or on motor vehicles

Damage to prone property left in or on motor vehicles at night parking

Damage to movable property left in or on a motor vehicle, caravan or boat, at the airport, railway station or port, for example.

Suitcases and sports equipment, etc. The insurance is valid in Sweden.

Damage by chafing, wear or self-destruction

Superficial damage to suitcases or similar such as dents, scratches or the like, without significant effect on usability

Damage due to inadequate or improper packaging

Damage caused by liquid or smearing of flowing substances

Damage to the sports equipment during use (compensation is provided, however, in case of theft).

Other The insurance is valid in Sweden.

Damage that can be compensated by other insurance, transport companies, hotels or similar

Damage to property in a hotel room/apartment which is appropriated by insured, if the deed is carried out by someone that the insured has given permission to stay in the room/apartment.

Special rule (theft-prone property) The exceptions and safety precautions/prudential requirements (see 1.7.5.3) applicable to the theft-prone property apply only if the total replacement value of the prone property stolen or injured amounts to more than SEK 1,000.

1.7.4.3 Security regulations The insurance applies with the following safety regulation and penalties (reduced compensation) if the requirements are not followed. In order not to reduce the compensation as described above, the following safety precautions must be met:

property must be safeguarded in a way that is satisfactory, in view of the circumstances, so that it is not stolen, lost or damaged. • examples of this are that the property should not be left visible to unauthorised persons

and, if possible, be protected by an appropriate placement, in e.g. cupboards, crates or similar

when the insured leaves the property by means of transport, at the place of work, or temporary residence such as bungalow, apartment, hotel room passenger cabin or equivalent, doors should be locked and windows closed and rejoice. If the property consists of money, travel documents and theft-prone property, these must be locked up in a safebox/cash register.

If the size of the property precludes it from being locked away in said manner, or if safebox/cash compartment is missing, it must be locked away in a suitcase, cupboard, box or the like. Penalty (reduced compensation)

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General Contract Provisions If prudential requirements are not met, the compensation can be reduced or cancelled in accordance with the compensation rules in 1.10.

1.7.5 Delay protection

1.7.5.1 Baggage delay The insurance provides compensation if the insured on the business trip on the outbound journey from the Nordic countries checked in baggage and this is delayed after the insured's arrival at the destination. Compensation is provided for reasonable additional costs related to purchases of necessary clothing and toiletries up to the insurance policy specified. If the baggage has not been reclaimed within 48 hours, additional compensation is paid up to double the insurance amount stated in the insurance policy. The purchases must be made in direct connection with the delay and before the baggage has been repaid. The delay shall be substantiated by P.I.R-Report and all costs/expenses shall be made in the location where the delay occurred or at the place of stay and can be substantiated by receipts in original otherwise the compensation may be reduced or completely absent.

Exclusions The insurance does not apply in case of delay due to the intervention of the customs authority or other authority.

1.7.5.2 Baggage delay on return trip If checked baggage has been delayed and the insured must go on a new business trip within 48 hours of returning home, compensation for necessary and reasonable additional costs for the purchase of clothing and hygiene products should not be addressed before the new business trip is to be undertaken. The new business trip must be documented with travel documents/tickets and the delay with a P.I.R-report, in order to be able to provide such compensation. Maximum compensation The maximum compensation per insured amount for each damage instance is SEK 1,500.

1.7.5.3 Delay of public transport In the event of a business trip, the insurance will provide compensation if the public transport that the insured is travelling with is delayed by more than 4 hours to the destination. Compensation is paid for the insured's necessary and reasonable additional costs in relation to meals (food and beverages) and lodging.

Maximum compensation The maximum compensation per insured for each damage is SEK 3,000. Purchases and accommodation shall be made at the place where the delay occurred and be substantiated by original receipts.

Exclusions The insurance does not apply in case of delay due to bankruptcy or government intervention, lockout, strike, or any other employer or trade union representative taken action.

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1.7.6.4 Travel starter Protection The insurance replaces necessary and reasonable additional costs for the insured person for a business trip, both outward and return, to be able to part take in work trip which is not possible to rebook, if the insured will be delayed to the airport, train station or bus stop depending on:

that public transport has been delayed by weather, technical faults or road accident

traffic accident with a private car that the insured is using. The accident shall require salvage and occur during the direct journey to the starting point of the journey.

other road accidents where the insured person can demonstrate that the traffic accident requiring salvage is the basis of the missed departure.

The insured must have started the connecting journey in sufficient time, so that the insured person would have had the chance to book himself and his luggage in advance as required by the tour operator. The insured must have arrived at the airport at least two hours before departure. If the insured has not started the connection in sufficient time as stated above, compensation cannot be provided. If the connection is not possible, Trygg-Hansa can instead provide compensation for new equivalent tickets to complete the journey.

Limitation Events are only covered if they can be substantiated by a certificate from the police, traffic manager regarding collective means of transport.

Exclusions The insurance does not apply in the event of a delay due to lockout, strike, or other measures taken by the employer or union representatives, nor in the event of delay due to the intervention of the customs authority or other authority.

Maximum compensation Highest amount of compensation per insured person for each damage is SEK 25,000.

1.7.6 Emergency insurance (treatment cost)

1.7.6.1 What the insurance applies to The insurance provides equitable compensation for treatment/therapy costs for the insured, if the insured during his or her work trip has an acute mental crisis, witnessing or himself experiencing a sudden and unforeseen event such as:

robbery, threat or assault

accidental injury

other traumatic event such as fire, burglary, explosion, traffic accident, natural disaster, hijacking or terrorist attack.

Note Accidental injury refers to bodily injury from a sudden external event, one based on external violence against the body.

1.7.6.2 Where the insurance applies The insurance applies to damage that occurs during a business trip to the country/area specified in 1.3 "where the insurance applies".

1.7.6.3 Excess The insurance is valid without being subject to excess.

1.7.6.4 Amount and scope of insurance The insurance covers treatment costs (fees) for call therapy, psychology consultation. The treatment should be done at a licensed psychologist/therapist and be approved in advance by Trygg-Hansa.

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Travel expenses to and from treatment The insurance provides compensation for the insured's necessary and reasonable travel expenses to and from treatment.

Maximum compensation Maximum compensation is per insured and the claims are capped at 10 treatments (treatment sessions). However, the amount of the compensation, including travel costs, is capped at SEK 20,000. The time during which treatment assistance is given is limited to 12 months after the injury has occurred.

Exclusions The insurance does not apply to treatment costs

arisen in connection with the insured person who performed or participated in a wilful act that, by Swedish law, is a criminal offense

may be compensated elsewhere by law, statute, convention or other insurance.

1.7.6.5 Claims adjustment provisions Damage which may entail claims against Trygg-Hansa must be notified as soon as possible and at the latest within 1 year after the damage stated in 1.7.7.1 occurred.

1.7.7 Excess protection

1.7.7.1 What the insurance applies to The insurance provides compensation for deductible expense for:

compensable property damage according to Swedish home or villa home insurance conditions

damages according to Swedish car insurance conditions as specified below.

Compensable damage according to Swedish home or villa home insurance In case of compensable damage according to Swedish home or villa home insurance conditions, the following applies: Occurs during business trips abroad a sudden and unforeseen injury in the insured's uninhabited permanent residence in Sweden, which has been wholly or partly replaced by the insured person's home or villa home insurance, compensation is paid by an amount that corresponds to the excess that applies to the damage according to home or house home insurance.

Maximum compensation Compensation is paid at a maximum of SEK 10,000.

Limitation A precondition for compensation to be provided is that the damaged property is fully insured and that the damage suffered is replaced according to the applicable Swedish home or villa home insurance conditions.

Exclusions The insurance does not cover:

compensation in the event of damage to or in a compartment to the permanent residence

damage caused by someone covered by the insured's household.

Compensable damage according to Swedish car insurance conditions In case of compensable damage according to Swedish car insurance conditions the following applies: Occurs during business trips abroad a sudden unforeseen damage to the insured's private passenger car in Sweden, which has been wholly or partly replaced by the car insurance policy, compensation is paid by an amount equivalent to the excess applicable to the damage by the car insurance. However, a precondition is that the car is not used by another person during the insured's travel time.

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General Contract Provisions If the insured person suffers an excess in case of damage to his or her own car when used for business travel, the insurance includes an excess cover. Compensation is paid for the deductible that has been deducted from the insurance compensation.

Maximum compensation Compensation is paid at a maximum of SEK 10,000.

Limitation A precondition for the compensation to be provided is that the car is fully insured and that the damage suffered is replaced according to the applicable car insurance conditions. In case of own private car, the insurance is valid during travel that lasts no more than 30 days.

Exclusions The insurance is valid in Sweden.

Damage covered by the car's legal protection insurance

Consequential loss insurance

Bonus loss

Downtime compensation or car rental costs.

1. 8 Air accidents, war risks, nuclear damage, and evacuation in the event of natural disaster

1.8.1 Flight accident

Insurance is valid during flight, provided that the insured is a passenger on nationality designation aircraft. Passengers are persons who do not carry out assignments in connection with the flight.

1.8.2 War risks

If the insured is in an area affected by war, warlike events, civil war, revolution, rebellion or terrorism, the insurance only applies on condition that the insured person does not participate in war or other unrest or takes position as a reporter or similar. However, the insurance does not apply to damage that can be replaced according to paragraph 1.14 assault protection (physical personal injury). Under the same conditions, compensation is also paid for:

the necessary additional costs for the return flight, except for participants in group travel travel as referred in the Travel Guarantee Act.

Loss of luggage by confiscation of the property or because the insured person is compelled to leave their luggage in the event of an evacuation or similar incident.

MAXIMUM COMPENSATION The maximum amount of compensation per insured person for the necessary extra costs for return travel is limited to SEK 75,000 for each damage instance. The insurance amount for war damage is limited in case of disability and death to

SEK 400,000 for disability

SEK 200,000 for death.

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1.8.3 Atomic damage Accidents whose origin or extent are related to nuclear processes or radioactive decay are covered by the insurance only on condition that the nuclear process or the radioactive decay is not related to military activity in which the insured person participates.

MAXIMUM COMPENSATION The insurance amount for nuclear damage is limited to

SEK 400,000 for disability

SEK 200,000 in case of death.

EXCLUSIONS The insurance is valid in Sweden.

Damage by acts of terrorism linked to nuclear process or radioactivity.

Terrorism/terrorist act Terrorist act means any act involving the use and/or use of violence or force or threat thereof, committed by individual/s or group of individuals, whether the act is committed on a persons own behalf, in affiliated with or on behalf of the organisation (s) or government (s) and whose purpose (s) or reasons are political, religious, ideological and/or ethnic and where the action's intention is to induce fear in the population or group of individuals or force government/s, public authority (s) or organisation (s) to carry out or refrain from carrying out certain actions or otherwise influence their actions or decisions.

1.8.4 Evacuation in case of natural disaster The insurance replaces necessary and reasonable additional travel and lodging costs if the insured person is forced, when travelling, to move, or forced to travel home because of the natural disaster; the insurance also reimburses travel and subsistence costs when a government agency or the State Department decrees evacuation.

MAXIMUM COMPENSATION Highest amount of compensation per insured person for each damage is SEK 75,000.

1.9 Damage compensation rules Compensation amount in case of disability and the amount of damage in case of damage to property is determined according to the following rules (1.9.1 resp. 1.9.2).

1.9.1 Amount of disability allowance

The disability allowance is an equivalent to the degree of disability corresponding to the insurance amount of the disability at the age of the insured person at the accident. The disability allowance is determined on the basis of the economic disability, if available, otherwise on the basis of the medical disability. However, the determination shall take place on the basis of the medical disability if this would lead to a higher disability benefit. For insured persons who have reached the age of 55, only medical disability compensation is paid. If function can be improved with a prosthesis, the degree of disability is determined by the prosthesis function. The determination is made irrespective of the degree to which the insured person's ability to work is impaired.

Compensation for financial disability When accidental injury entails a permanent reduction in the insured's working capacity by at least 50 per cent, according to the insurer's assessment, the disability allowance shall be paid. A precondition, however, is that the accidental injury resulted in such loss of work ability within five years from the day of the damage . For insured persons aged 18 or over, the financial disability shall be incurred within 10 years from the injury of the accident.

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General Contract Provisions The accidental injury must have occurred during the period when the insurance is in force and before the 55-year anniversary, and brought about financial disability before the 60th anniversary. The basis for determining the economic disability rate is only current in the case of accidental injury induced symptoms and disabilities that can be objectively determined by Trygg-Hansa. Account shall only be taken of the reduction of such ability to work that was used immediately before the accident injury and which would likely have been exploited if ability to work had not been lost. The determination is made with respect to the insured's ability to perform his habitual work or other work corresponding to his abilities and skills, despite accidental injury, and can reasonably be claimed by him in light of age, previous training and activities, retraining or similar measures and residence conditions. Work ability is considered to be permanent impairment when all opportunities for work in another profession are examined. All rehabilitation opportunities should also be investigated. The determination of the degree of disability is determined by the loss of work ability that The accidental injury caused. In addition, the accidental injury must, before the onset of the economic disability and within 3 years from the date of the damage, have entailed medical disability.

Medical disability compensation When accidental injury entailed a permanent reduction of the insured's body function and the condition is stationary, the disability compensation shall be paid. A prerequisite for the right to compensation is that the accidental injury within 3 years resulted in a measurable disability. However, final assessment shall be made only when the degree of disability is definitively fixed and no later than 3 years from the day of the injury. The degree of medical disability is determined by each instalment of industry common tables. If accidental injury caused damage to several parts of the body, so that the total degree of disability exceeds 100 per cent, the compensation is maximised 100% of the insurance amount.

1.9.2 Damage to property (luggage)

Damaged and lost property is valued according to the same rules and as follows.

Company Property The property is valued according to Trygg-Hansa's terms of business insurance, item 1.10 (Damage evaluation rules).

Personal movable property The property has been divided into different valuation groups as follows, from a valuation and substitution point of view. How property is valued depends on which valuation group the object belongs to.

VALUATION GROUP 1 Books, antiques, works of art, rugs, weapons and property with special collector's value The property is valued at market value. Damage is valued relative to what it costs on the market to purchase equivalent property in the condition it had at injury. If there is no equivalent property to purchase in used condition, the property is valued at what it would likely have cost if it existed. Collections are valued in their entirety. VALUATION GROUP 2 Jewellery, beads, precious stones and objects wholly or partly of precious metal, but not precious metal watches including bracelets.

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General Contract Provisions New equivalent property is available for purchase on the market:

If the purchase takes place within 6 months, the cost in retail is compensated, however the highest cost to buy new equivalent property from a supplier is designated by Trygg-Hansa

if purchases are not made within 6 months, 65% of the cost in retail is replaced, however the highest cost to buy new equivalent property from a supplier is designated by Trygg-Hansa.

New equivalent property is not available for purchase on the market: The property is valued at most to the cost of an equivalently used property on the market.

VALUATION GROUP 3 Clothes, radio, TV, discs, bikes, etc. Newer property where compensation is indicated to be 100%:

If the purchase takes place within 6 months, the cost in retail is compensated, however the highest cost to buy new equivalent property from a supplier is designated by Trygg-Hansa

if purchases are not made within 6 months, 70% of the price of new equivalent property is replaced.

Old property-where compensation is indicated to be less than 100%:

Compensation is paid by as many percentages of the price for new property as listed below, counting from the date the property was purchased.

The following compensation levels are based on what retail generally recommends as depreciation per year for different types of property. If the value declined not only by age, wear or obsolescence but also as a result of reduced usability for you or the company, special deductions are made.

Compensation levels Shoes newer than 1 year are compensated by 100%, 1-2 years are compensated by 40%, 2-3 years are compensated by 20%. Shoes older than 3 years are compensated by the second hand price on the market. Clothes newer than 1 year are compensated by 100%, 1-2 years are compensated by 60%, 2-3 years are compensated by 40%, 3-4 years are compensated by 20%. Clothes older than 4 years are compensated by the price of second-hand in general trade. Glasses newer than 1 year are compensated by 100%, 1-2 years are compensated by 80%, 2-3 years are compensated by 60%, 3-4 years are compensated by 40%, 4-6 years are compensated by 20%. Glasses older than 6 years are considered completely written off with respect to wear, vision change, outdatedness etc. Video, video cameras and ski equipment newer than 1 year are compensated by 100%, 1-2 years is compensated by 70%, 2-3 years is compensated by 55%, 3-4 years is compensated by 40%. Property older than 4 years is compensated by the second hand price on the market. Radio, television and other apparatus for audio and visual reproduction, however not computer equipment, CDs, DVDs, bicycles, golf clubs and furs, are replaced for property newer than 1 year by 100%, 1-2 years is replaced by 100%, 2-3 years is replaced by 70%, 3-4 years is replaced by 60%. Property older than 4 years is compensated by the second hand price on the market. Watches newer than 1 year are compensated by 100%, 1-2 years are compensated by 100%, 2-3 years are compensated by 100%, 34 years are compensated by 60%. Wrist-watches older than 4 years are compensated by the price of second-hand in general trade. The above rules are not applied if they result in unreasonable results. Such items are valued instead according to valuation Group 5, other movable property below.

VALUATION GROUP 4 Food and homemade items, photographs, film, record and tape recordings and items insured for their own personal use (e.g. home-made clothes, homemade food and models).

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General Contract Provisions New equivalent property is available for purchase on the market:

If purchases are made within 6 months, the market price is replaced by buying new equivalent property

If purchases are not made within 6 months, 65% of the market price is replaced by buying new equivalent property.

New equivalent property is not available for purchase on the market: You will be reimbursed for the costs of the raw material.

VALUATION GROUP 5 Other movable property Property for which the value due to age, wear or out of fashion has gone down by 30% or less:

If purchases are made within 6 months, the market price is replaced by buying new equivalent property

If the purchase is not made within 6 months, the market price is compensated for the purchase of equivalent property. If the value declined not only due to age, wear or obsolescence but also as a result of reduced usability for you or the company, further deductions are made.

Property for which the value due to age, wear or obsolescence has gone down by more than 30%: Compensation is provided with the market price for buying used equivalent property. If the value declined not only by age, wear or obsolescence but also as a result of reduced usability for the insured or the company, a special deduction is made.

OTHER VALUATION RULES The valuation of an injury is made on the basis of the price situation at the time when the insured person can determine his claim for compensation, although at the earliest two months from the day of the injury. Valuable documents are valued at the loss you make at injury. If damaged property is repaired, the damage is valued at the reasonable repair cost. The repair cost may never exceed the amount of compensation the insured party may receive according to previously stated rules.

1.10 Compensation rules Damage is assessed according to 1.9 (Claim assessment rules) and is compensated in accordance with the following rules. It is the direct financial loss that is compensated. Among other things, the following are not regarded as direct financial losses:

sentimental loss

loss of capacity for work in connection with property damage

travel to and from the site where damage occurred

inconveniences or difficulties that may arise

the value of your own work that you have put into photographs, films, sound recordings, computer programs, models and similar.

reconstruction of digitally-stored information

losses that may arise as a result of an account or subscription being used without authorisation

tort/non-material damage

costs for verifying, supporting and producing claims

costs for the repurchase of property. When property is damaged or lost, compensation is affected by factors such as:

age

wear

modernity

usability. How we compensate the insured:

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General Contract Provisions Depending on the circumstances, compensation may take the form of repair in order to restore function, cash compensation or replacement – i.e. purchase of a similar or the most closely equivalent item. In the case of replacement or repair, Trygg-Hansa is entitled to determine where purchase or repair shall be made. Higher compensation than the cost of repair or replacement at the repair or replacement site indicated by Trygg-Hansa cannot be paid out. Credit cards, debit cards, etc. Checks, bank books, credit cards and similar are only compensated up to the cost that may be charged in order to close the account in question. If an authorised person uses the account and this results in a financial loss to the insured, then this loss/cost cannot be compensated through the insurance.

1.10.1 Intentionally causing an insured loss

Trygg-Hansa is not liable towards the insured for insured losses that the insured has caused deliberately or through gross negligence to any extent. Note: The insured party is equated to

another person who has acted with their consent

a person who, concerning the insured property, has a close financial association with the insured

a person who, in the place of the insured or together with them, has had supervision over insured property; however those who were in such a state of mind as that described in chapter 30, section 6 of the Swedish Penal Code or those who were under 12 years-of-age are only equated with the insured if they have acted with their consent.

1.10.2 Non-compliance with regulations

If the reasonable precautions clause is not met, then compensation may be reduced, unless the reasonable precaution has been minor or of minor significance for the insured loss. In the case of serious negligence, the deduction may be severe or zero compensation may be paid out.

1.10.3 Other compensation rules

Upon payment of compensation for damages, value added tax is offset for the person who is accountable for value added tax. Trygg-Hansa has the right to have damaged property repaired or to provide another equivalent item instead of paying out cash compensation. Trygg-Hansa is not obliged to accept damaged property, but is entitled to accept larger or smaller parts thereof following assessment. If the property for which compensation is paid out is found or restored, it will become property of Trygg-Hansa and must be put at Trygg-Hansa’s disposal as soon as possible. The insured may keep the property provided, however, that they repay the compensation received without delay.

1.10.4 Date of compensation payment and interest rate provisions Compensation shall be paid out no later than one month after the time at which the insured has fulfilled their obligations under 7.1.2.12 (Claims handling provisions). If a police investigation of significance to the insured’s right to compensation is commenced, then Trygg-Hansa is entitled to withhold payment of compensation until the investigation has been concluded. Compensation to which the insured is only entitled once the insured property has been restored or replaced shall be paid out no later than 30 days after the insured has demonstrated that such restoration or replacement has taken place. If a police investigation is pending, compensation will be paid no later than 30 days after the time at which Trygg-Hansa has received the investigation. Interest is paid for the time during which payment is delayed, in accordance with the Swedish Central Bank’s reference rate.

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General Contract Provisions If compensation is paid later than what is set out above, then default interest is paid in accordance with the Interest Rate Act (Räntelagen). Interest is not paid, however, if it is less than one per cent of the base amount. Beyond the interest established above, the policyholder is not entitled to any compensation for damages or loss related to delayed payment of compensation for damages.

1.11 Claims-handling provisions Reference: For measures that the insured is obliged to undertake when damage has occurred or when it is feared that damage may occur, see the General Contract Provisions, point 1.6 (Duty to Rescue).

Reporting damage Damage that can bring a compensation claim against Trygg-Hansa must be reported as quickly as possible. The claim form must be signed by the employer and the person requesting compensation. In addition, the person claiming insurance compensation must also:

in the event of theft, burglary, robbery or assault, submit a police report in the locality where damage has occurred and send documentary evidence of this to Trygg-Hansa

in case of damage that has occurred in transport or at a hotel, a report should be submitted to the transport company or to the hotel

submit specific requirements for compensation

to a reasonable extent, support the contents and value of the lost or damaged property

if other insurance applies to the same damage, inform Trygg-Hansa about this

upon request by Trygg-Hansa, provide information, supporting documents, evidence, medical certificates and other documents that the company may need in order to settle the claim

upon request by Trygg-Hansa, participate in the police’s investigation of the case

upon request, meet with Trygg- Hansa’s staff or a contractor engaged by the company

otherwise follow the specifically stated safety regulation that is set out in the terms and conditions

in the event of delay to transport or public transport (delay coverage), attach documentation from the transport company which supports the cause and length of the delay

in connection with missed departure coverage for flight tickets that cannot be rebooked, attach police documentation, documentation from the transport manager or a recovery services bill, depending on which mode of transport was used, which supports the cause and length of the delay

for cancellation of business travel, the original copy of the cancelled ticket should be attached, as well as a medical certificate from the attending doctor that supports the insured event. Your doctor must be competent and not disqualified. In the case of death, a death certificate must be attached to the claim form

when cancelling business travel due to a natural phenomenon, an original copy of documentation from a relevant authority should be attached.

If the person requesting compensation neglects to report an insured loss without unreasonable delay and this results in damage for Trygg-Hansa, then the compensation that should otherwise have been paid out may be fully withheld or reduced in accordance with what is reasonable under the circumstances.

Recourse and double insurance agreement Claims from another insurance company in accordance with the recourse and double insurance agreement entered into between the insurance companies will be regulated by Trygg-Hansa without any need for a claim form from the insured.

Waivers and limitations See the General Contract Provisions, point 1.13 Waivers and Limitations

Incorrect information, etc If the person requesting compensation from Trygg-Hansa has, following an insured loss, deliberately or through gross negligence incorrectly stated, concealed or hidden anything that is of significance to an assessment of entitlement to compensation from the insurance, then the compensation that should otherwise have been paid out may be fully withheld or reduced in accordance with what is reasonable under the circumstances. This restriction on compensation also applies in relation to insured persons other than the person who has submitted the incorrect information.

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1. 12 Personal liability Insurance

1.12.1 Insured persons Liability insurance applies to the insured as a private person in connection with business travel. The insurance does not apply to direct professional or business activities or other gainful professional activities.

1.12.2 When the insurance applies The insurance applies for damages that occur during the time in which the insurance is in force.

1.12.3 Insurance amount The maximum compensation amount per claim is SEK 10,000,000, and this applies to personal injury and damage to property combined. The insurance amount constitutes the upper limit for compensation per claim even when several of the insured individuals are liable. If several counts of damage occur at the same time and result from the same cause, this is regarded as a single claim. If the insured is liable for personal injury to a person resident in Sweden, then the insurance amount is limited to reasonable compensation for personal injury in accordance with Swedish law.

1.12.4 Scope of the insurance policy

1.12.4.1 Trygg-Hansa's commitment In the event of claims for compensation against the insured which can be covered by the insurance, Trygg-Hansa undertakes, in relation to the Insured, to:

investigate whether liability exists

negotiate with the party claiming damages

plead the insured’s case in court or arbitration proceedings and pay the legal or arbitration fees that the insured thereby incurs or is obliged to pay and which cannot be obtained from the counterparty or another party

pay the damages for which the Insured is liable.

1.12.4.2 Personal injury and damage to property The insurance covers personal injury and damage to property, as well as economic loss that is a direct consequence of compensable personal injury and damage to property that affects the same claimant. Unrelated economic loss, i.e. economic damage that has arisen without any connection to the personal injury or damage to property, is not compensated.

1.12.4.3 Exclusions The insurance does not apply to:

damage that the insured has assumed liability for beyond applicable tort law

damage to property that the insured has hired, rented, worked on, repaired or otherwise engaged with on more than an entirely temporary basis.

Exclusion does not apply to damage to hotel rooms or other rented accommodation outside of the principal place of business and to furnishings therein, although only to the extent that such damage cannot be compensated through another insurance policy. However, damage caused by wear, neglect or intent is not compensated.

damage that the insured can be held responsible for as owner of the property/apartment or as leaseholder

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General Contract Provisions damage that the insured can be held responsible for as owner, user or driver of:

• a motor-driven vehicle where damage has occurred as a result of driving the vehicle. Exclusion does not apply to electrically-powered wheelchairs.

• steam, motor or sailboat, hovercraft, hydrocopter or aircraft. Exclusion does not apply to windsurfing boards.

Note: If the boat is equipped with either an outboard motor of max 10.0 hkr (7.36 kW) or a sail with a sail surface area of max. 10 square meters, then the insurance policy does apply to personal injury. damage incurred as a result of the insured deliberately committing an act that is punishable under current law

damage caused by the insured in connection with professional or business activities or other gainful professional activities.

nuclear damage that the policyholder can be held responsible for in accordance with the Nuclear Liability Act (Atomansvarighetslagen, 1968:45) or equivalent foreign law

damage/injury for which the cause or scope is directly or indirectly caused by or related to war, war-like events, civil war, revolution, rebellion or riot

injury that the insured has inflicted upon another person covered by the insurance.

1.12.5 Claims-handling provisions

1.12.5.1 Reporting damage

Insurance claim Damage that can be expected to lead a claim for damages must be reported to Trygg-Hansa as quickly as possible. If legal proceedings are taken or brought against the insured, then this must be report immediately to Trygg-Hansa. If the person requesting compensation or another form of cover neglects to report an insured loss without undue delay and this results in claims against Trygg-Hansa, then the compensation that should otherwise have been paid out may be fully withheld or reduced in accordance with what is reasonable under the circumstances.

1.12.5.1.1 Waivers and limitations

Waivers Following the amendment of the General Contract Provisions, point 1.13 regarding waivers, the following applies: Damage claims must be submitted to Trygg-Hansa as soon as possible after being received by the person looking to exercise the insurance policy. If the damage claim is not reported to Trygg-Hansa within one year from the date on which it is received by the person looking to exercise the insurance policy, then Trygg-Hansa liability to pay compensation will be void.

Limitations Questions concerning limitations of the right to insurance compensation or other cover are referred to the General Contract Provisions, point 1.13

1.12.5.2 Duty to provide information The insured is obliged, without delay, to provide Trygg-Hansa with documents and other information that may be of significance for its investigation of the claim. If the insured has deliberately or through gross negligence incorrectly stated, concealed or hidden anything that is of significance for assessment of the damage, then the compensation that should otherwise have been paid out may be reduced in accordance with what is reasonable under the circumstances.

1.12.5.3 Summons and legal representatives If the insured is summoned to appear in court or has received information that such a summons may be pending, then this must be reported immediately, whereupon Trygg-Hansa will appoint a legal representative. If the insured does not observe these obligations, then a court judgement on liability to pay compensation cannot be invoked against Trygg-Hansa, nor can legal or arbitration costs be reimbursed.

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1.12.5.4 Amicable settlement If the insured, without the permission of Trygg-Hansa, concedes liability, approves a compensation claim or pays out compensation, then Trygg-Hansa is free from liability, unless there has been a clear legal basis for the claim. If Trygg-Hansa so desires, then the insured is obliged to facilitate amicable settlement with the claimant. If Trygg-Hansa has declared itself willing to settle amicably with the person requesting damages, then Trygg-Hansa is free from liability regarding costs or damages that arise subsequently and from undertaking further investigations.

1.12.5.5 Default interest Trygg-Hansa does not pay interest that is due to delays on the part of the insured to perform what is incumbent upon him/her in accordance with 1.12.5.

1. 13 Legal protection insurance for private persons

1.13.1 Insured persons

The insurance concerns disputes, lawsuits or cases (henceforth referred to as disputes) and applies to the insured as a private person in connection with business travel and applies only for disputes that are directly connected with business travel during the insurance period. Dispute refers to a submitted claim that has been rejected in full or in part. Rejected means that the party has actively dismissed the claim.

1.13.2 When the insurance applies Legal protection is provided if the insurance policy is in force whenever the dispute arises.

1.13.3 Where the insurance applies The insurance is valid worldwide.

1.13.4 Insurance amount

The maximum compensation amount per dispute is SEK 200,000. If several disputes arise, they shall be regarded as one single dispute if they are based essentially on the same events or circumstances. It is considered that a dispute exists if the insured and another insured are on the same side.

1.13.5 Excess

An excess of SEK 1,000 plus 10% of surplus costs applies for each dispute.

1.13.6 What the insurance applies to

1.13.6.1 The insurance company’s commitment In the following cases (1.13.6.1.1, 1.13.6.1.2, 1.13.6.1.3) relating to disputes, Trygg-Hansa covers the necessary and reasonable representation and legal expenses that the insured cannot be paid by a counterparty or another party. The insurance policy also covers costs for investigations undertaken after the dispute has arisen but before court proceedings, provided that the investigation has been ordered by the representative of the insured and approved in advance by Trygg-Hansa as necessary in order to assert the insured’s rights in the dispute.

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General Contract Provisions If the insured does not hire a legal representative, the insurance does not apply. The insurance does not cover criminal proceedings, nor does it apply to disputes that can only be tried by an administrative authority, specialised court or general administrative court, e.g. county administration, insurance court, rent tribunal, administrative court, administrative court of appeal or supreme administrative court.

1.13.6.1.1 Dispute without legal proceedings The insurance covers the insured’s own representation costs for disputes that can be tried in the district court, expropriating authority, the National Water Supply and Sewage Tribunal, or water court, or which, after a trial in such a court, can be tried in the court of appeal or the supreme court. The insurance also covers disputes under 1.13.6.1, which can be tried by an equivalent court in other countries. If the dispute is such that it must first be processed and tried by another body, only costs which have arisen after such proceedings or hearings will be paid.

1.13.6.1.2 Dispute with legal proceedings The insurance covers the costs of litigation in accordance with 1.13.6.1 – both the insured’s own costs and those which he/she is obliged to pay out following the court hearing – which have been incurred at the specified courts or their higher courts. In such cases, the insurance also applies to retrials, although only if the retrial is granted, and also to rental cases heard in the Svea Court of Appeal. The insurance covers legal costs that you have committed to pay to another party in connection with judicial conciliation under court proceedings, provided that you can demonstrate it is probable that the court, due to new circumstances that have arisen during the court proceedings, would have charged you to pay higher legal costs than what you committed yourself, if the dispute had been tried in court.

1.13.6.1.3 Dispute with arbitration proceedings The insurance covers costs that shall ultimately fall to the insured for arbitration proceedings in connection with disputes in accordance with 1.13.6.1 – both own costs and those that the insured is obliged to pay out following the arbitration hearing – with the exception of remuneration for the arbitrator.

1.13.6.2 Exclusions

1.13.6.2.1 Certain disputes The insurance does not apply to disputes

• that must be handled under legal proceedings in accordance with chapter 1, section 3d, first paragraph of the Swedish Code of Civil Procedure (Rättegångsbalken). However, this exclusion shall not apply to disputes arising from the insurance contract with Trygg-Hansa

• relating to divorce or which concern other matters that arise between spouses in connection with divorce – e.g. custody, maintenance, division of property and right of property – and equivalent matters in connection with the dissolution of non-marital cohabitation.

• relating to professional or business activities or other gainful professional activities • relating to financial measures which are of an unusual nature or scope for a private individual • relating to a credit document • relating to claims that are transferred to the insured, if it is not obvious that this transfer

occurred before the events or circumstances that constitute the basis of the dispute. • relating to the insured in the capacity of owner, user or driver of a motor-driven vehicle,

caravan or other trailer, aircraft, steam, motor or sailboat. This exclusion does not apply, however, if the insured temporarily rented or hired these outside of the Nordic region.

• concerning damages or another claim that is due to an act committed by the insured and which has caused suspicion or indictment for a crime that requires intent in order to constitute a punishable offence

• if the insured does not demonstrate that they have legitimate interest in having their case tried.

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1.13.6.3 Choice of representative The insured must contract an appropriate representative with regard to the place where the dispute is being tried and with regard to the nature and scope of the dispute. If the insured contracts a representative who does not comply with the above, then the right to insurance compensation may be lost. The representative shall be a member of the Swedish Bar Association or a lawyer employed by such a member or public law service office, or another who is deemed appropriate or equivalent in the country concerned following examination by the Swedish Insurance Board (Svensk Försäkrings Nämnder).

1.13.6.4 What costs are compensated by the insurance The insured can receive compensation for the following costs if they are necessary and reasonable and if the insured cannot have them paid by the counterparty or by the state. Among other things, this means that Trygg-Hansa will not pay if the insured, within or outside of court proceedings, abstains from their possibilities to extract compensation from the counterparty. These costs refer to:

representation fees and expenses

costs associated with presenting evidence in legal or arbitration proceedings

handling costs in court

1.13.6.4.1 Exclusions The insurance does not pay out compensation for:

own work, loss of income, travel and subsistence for the insured

enforcement of ruling, decision or agreement

additional costs which arise if the insured contracts several representatives, changes representative or contracts a representative from outside of the geographic location where the case will be tried

remuneration of arbitrators

costs that precede the dispute

negligent litigation.

1.13.7 Claims-handling provisions

1.13.7.1 Recovery To the extent that Trygg-Hansa has paid compensation, Trygg-Hansa assumes the insured’s right to claim compensation from the counterparty or another party. The insured shall facilitate the protection of any right to recovery.

1.13.7.2 Representation costs Trygg-Hansa is entitled to call for arbitration from the Swedish Bar Association or to order an examination of the reasonableness of the fees and costs associated with legal representation.

1. 14 Assault cover (physical personal injury)

1.14.1 Who the insurance applies to The insurance applies to the insured when undertaking business travel during the time in which the insurance is in force.

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1.14.2 Maximum compensation Maximum compensation amount for disability is the disability amount (principal amount) that is indicated in the terms and conditions, point 1.5 Insurance amount, and which is stated in the insurance policy. Compensation for disability aids which may alleviate the condition of disability or increase mobility is paid out up to a maximum of SEK 10,000. See below for other compensation amounts.

1.14.3 The insurance pays compensation:

if the insured person on business travel is subjected to any of the following crimes:

assault in the form of intentional physical violence that is not trivial

aggravated assault in the form of intentional physical violence

rape

sexual coercion. Compensation is paid in the form of a lump sum as per the following:

assault SEK 8,000

serious assault which is not aggravated assault, SEK 12,000 (e.g. battery with a blunt instrument, repeated kicks to a lying person or assault at the home)

aggravated assault SEK 30,000

aggravated assault which entails life-threatening injuries SEK 80,000

rape SEK 100,000

aggravated rape SEK 150,000

sexual assault SEK 50,000. If the insured is subjected to repeated offences by the same offender or by one of several offenders on the same occasion, then only one compensation amount shall be paid.

Dental treatment In addition to these amounts, necessary and reasonable costs for dental treatment in connection with the assault are also paid, in accordance with the Dental treatment section in chapter 1.7.1.1 Medical costs. Continued treatment should be undertaken by a national insurance dentist in Sweden.

Disability Compensation is paid for medical and financial disability, see below

Funeral expenses If the insured dies as a result of murder or manslaughter, the insurance pays out compensation for funeral costs up to a maximum amount of SEK 30,000. Funeral costs are paid to the estate of the deceased.

Exclusions The insurance does not pay compensation:

for injury inflicted upon you by the offender through performance of their duties and which their employee is liable to compensate under the Tort Liability Act (Skadeståndslagen) (Employer’s Liability).

if the insured person lives together with the offender. However compensation can be paid out in accordance with the crisis insurance.

if it relates to the insured or if the insured was affected by it when committing or participating in a criminal act which is punishable by imprisonment under Swedish law.

Reasonable precautions clause/Safety regulation Compensation can be reduced if the insured exposes him/herself to risk of injury or damage without due cause. It can also be reduced if the insured exposes him/herself to risk of injury when under the influence of alcohol, drugs or other intoxicating agents. Normally, compensation is reduced by 25% in such cases. However, compensation can nonetheless be paid out as normal if the insured can indicate that there is no likely connection between the influence of alcohol and the injury incurred. Note: The reasonable precautions clause is not applied when you are subjected to sexual offences.

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General Contract Provisions If the insured has disregarded his/her obligations in accordance with this insurance contract, the insurance compensation can be reduced by a reasonable amount. The extent to which reductions may be made shall be determined in accordance with what is reasonable in light of all prevailing circumstances. Whether or not such non-compliance has been deliberate or has occurred with a degree of negligence will also be considered significant. Any mitigating circumstances or to whether the reduction may be unreasonably significant will be taken into consideration. In the event of serious offences toward the obligations of the insured, compensation may be withheld in its entirety.

Disability incurred as a result of compensable injury from assault Disability means that the injury from assault has caused permanent impairment of bodily functions (medical disability) or that future capacity to work is permanently reduced by a minimum of 50% as a result of the damage (financial disability). A distinction is made between medical and financial disability when the degree of disability is being assessed.

Medical disability The insurance covers:

Medical disability: For the future, permanent impairment of your physical or mental functional capacity that is caused by injury from assault.

Disfiguring scars or other forms of disfigurement, persistent pain, loss of sensory function or internal organs caused by injury from assault that required medical treatment.

The insurance does not pay compensation:

Injury which does not entail any measurable disability within three years from the assault.

More than 100% disability for the same case of injury from assault.

Scars or other disfiguration that did not require medical treatment.

Disability compensation in accordance with section 1.7.2 Compensation for disability and death caused by accidental injury

Other provisions regarding medical disability The degree of disability is determined with regard to the injuries and symptoms caused by the accidental injury and which can be established objectively. The determination is made independently of the degree to which the injured party’s capacity to work has been reduced as a result of the accidental injury. If a lost body part is replaced by a prosthetic, functionality of the prosthetic will be taken into consideration when the degree of disability is being determined. Determination of the degree of medical disability is made with reference to the industry-wide table framework applicable at each time of payment. Determination of scars or other forms of disfigurement is made with reference to Trygg-Hansa’s established table framework. if the same count of assault causes injury to several body parts, compensation is paid out in accordance with the calculated degree of disability, up to max 100%. If the injured body part was not completely healthy and in working order before the assault, the previous degree of disability will be deducted.

Financial disability The insurance pays compensation for financial disability caused by injury from assault which occurs before the 55th birthday of the insured, provided that the following is met:

capacity for work is permanently reduced by at least 50%

the injury from assault has caused medical disability

all possibilities for work training and rehabilitation have been investigated The insurance does not pay compensation for financial disability:

in case of a reduction in capacity for work of less than 50%

as a consequence of injury from assault that takes place after the 55th birthday of the insured

after the 60th birthday of the insured

in accordance with section 1.7.2 Compensation for disability and death caused by accidental injury

Determination of compensation

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General Contract Provisions The basis for determining financial disability is comprised only of those symptoms and physical impairments caused by the assault injury that can be objectively established by Trygg-Hansa. Only the reduction in any capacity for work used immediately before the assault injury and that would probably have been used if the capacity for work had not been lost will be taken into consideration. The determination is made with consideration to the insured’s ability to carry out their daily work in spite of the injury from assault or to perform similar work that they can reasonably be expected to undertake given their existing skills and abilities, and with consideration of age, previous education and experience, training and similar measures, and the insured’s residence circumstances. Capacity for work is considered permanently reduced when all options for work, including other professions, have been considered. All options for rehabilitation must also have been investigated. If the insured was already wholly or partially unfit for work at the time of the claim, then the compensation paid will equate to the loss of remaining capacity for work. Determination of the degree of disability is undertaken with reference to the loss of capacity for work that the injury from assault has caused. Loss of capacity for work must arise subsequently to the injury from assault and within three years from the date of the incident that resulted in medical disability.

Compensation amount The compensation constitutes a part of the insurance amount that corresponds to the degree of disability. The compensation amount is determined on the basis of financial disability if such disability exists; otherwise, it is based on medical disability if this leads to a higher compensation amount. If compensation for medical disability has already been paid out, then a deduction is made for the amount paid out.

The right to compensation The following conditions must be met in order for the right to compensation for financial disability to exist:

It must be assessed that future capacity for work is permanently reduced by at least 50%

The injury from assault must have resulted in medical disability

Medical and professional rehabilitation must have been investigated and performed

The assault must have occurred before the 55th birthday of the insured. If death occurs before the right to compensation is achieved, then compensation for financial disability will not be paid out.

Common rules for medical and financial disability

Possibility for reassessment if the degree of disability increases If the injury from assault results in significant impairment of the insured’s bodily function or if the insured loses their capacity for work to a further extent after the time at which Trygg-Hansa has made its final decision on the insured’s right to compensation in connection with the assault, then the insured is entitled to have their degree of disability reassessed in light of the new circumstances. Reassessment can be granted within ten years from the date of the incident if the insured submits their request for reassessment in writing to Trygg-Hansa and simultaneously submits information about the circumstances which constitute the basis for reassessment, in line with the above.

1.14.4 Claim assessment and compensation rules

Compensation is assessed in accordance with the generally applicable rules of tort law. However, if the court

adjusts the damages due to the offenders personal circumstances (e.g. because they are a minor, suffering from a mental illness or due to financial circumstances), then Trygg-Hansa will pay the full damages without adjustment

due to consent or another reason, imposes a higher amount than what is normal practice under applicable law, then compensation shall only be paid out up to the highest amount that would be imposed in accordance with the rules of applicable law.

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1. 14.5 Claims-handling provisions If the insured is injured, then the insured must submit all information and documents which demonstrate that the insured is entitled to damages and that the person responsible is unknown or unable to pay damages. In order for Trygg-Hansa to pay out compensation, the insured must demonstrate that it is unlikely compensation can be obtained from the offender. In order for Trygg-Hansa to determine whether the insured needs to take action in court or not, it is of the utmost significance that the insured provides us with all significant information as quickly as possible.

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2 Cancellation insurance – additional agreement The business travel insurance also covers cancellation costs, in accordance with the below, provided that this is specifically stated in the insurance policy

2.1 Scope of the policy and insurance amount The insurance applies to the cancellation of business travel booked for the employee on the employer’s (policyholder’s) behalf by a travel agent or other provider of travel/arrangements. The insurance refers to purchased tickets (travel/arrangements) that cannot be re-booked and which are cancelled before departure from the policyholder’s (company’s) ordinary principal place of business. The insurance pays compensation for cancellation costs relating to the price of the ticket (travel/arrangement), with deductions for any repayments from transport companies/tour operators, under the following conditions:

cancellation due to accidental injury, acute illness or death which affects the employee or a close relative of the employee

cancellation due to a sudden and unforeseen natural event of significant scope, which is regarded by a local authority as catastrophic circumstances, occurring in the vicinity of the destination that the employee is due to visit as part of the business travel.

Compensation is only paid for cancellation costs that are not covered by transport companies/tour operators in accordance with established cancellation provisions. Compensation is not paid for flight taxes. Compensation is paid out to the employer (the policyholder). For the insurance to be valid, the following must apply:

compensation is not paid out if another insured person employed by the policyholder can travel

instead

cancellation must be made immediately; on the same day or latest the day after the day on which the cause for the cancellation becomes known

the reason for cancellation was unexpected to the employee and of such a nature that the employee could not reasonably proceed with the trip

the cause of the cancellation can be supported by documentation issued by a doctor, authority, police or similar.

Maximum compensation amount The maximum compensation amount per cancelled trip/arrangement and per person is SEK 25,000 However, up to a maximum of SEK 75,000 for all the insured persons combined.

Excess There is no excess for the cancellation coverage.

Exclusions The insurance does not apply for damage/injury for which the cause or scope is directly or indirectly caused by or related to:

war, war-like events, civil war, revolution, rebellion or riot.

related to nuclear processes.

Claims handling provision Regarding the reporting of injury/damage, see 7.1.2.12 Claims handling provisions.

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3 Definitions – Explanations

3.1 Object types

Money Money refers to valid coins, notes and applicable stamps.

3.2 Other

Employee Employee refers to a person who receives a salary for their gainful activity and receives a statement of earnings and tax deductions from their employer.

Acute illness Acute illness refers to an unforeseen deterioration of health and which is not regarded as accidental injury.

Public transport Public transport refers to transportation via e.g. train, plane, bus or boat as part of a scheduled service, and by taxi, i.e. transport options intended to be used for passenger transport by the general public.

Financial disability Financial disability refers to a permanent reduction of the insured’s capacity for work as a result of accidental injury. Loss of capacity for work is regarded as a permanent impairment and where all other possibilities for work within another profession have been examined. A prerequisite for the right to receive compensation for financial disability is that capacity for work must be permanently reduced by at least 50%.

Disability Disability means that the accidental injury has caused permanent impairment of the insured’s bodily functions (medical disability) or that the insured’s capacity for work in the future is permanently reduced by a minimum of 50% as a result of the damage (financial disability). A distinction is made between medical and financial disability when the degree of disability is being assessed.

Medical disability Medical disability corresponds to physical or mental impairment which is determined independently from the insured’s profession and working conditions or leisure interests. It must be possible for the impairment to be established objectively. Medical disability can also cover permanent pain, loss of internal organs and loss of sensory function. If a lost body part is replaced by a prosthetic, functionality of the prosthetic will be taken into consideration when the degree of disability is being determined.

Natural disaster Natural disasters refer to events of such a scope that local emergency services are unable to manage the situation themselves and need assistance from national or international bodies; e.g. earthquakes and hurricanes.

Close relatives Close relatives refers to your husband, wife, registered partner, children, grandchildren, siblings, parents, grandparents, mother/father in-law, son/daughter in-law, and brother/sister in-law. In addition, persons with whom the insured shares living quarters and who are registered in the population register as living at the same address as the insured are also covered. For persons who have custody of a child under the age of 18, those within that circle of people are also close relatives. Under these conditions, the parents and siblings of the insured’s cohabiting partner or registered partner are equivalent to parents in-law and siblings in-law.

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PIR report PIR report (property irregularity report) is established at the airport when you report to the airline that your baggage has been delayed.

Travel documents Travel documents refer to tickets, passports, ski lift passes and green fee tickets.

Cohabiting partner Cohabiting partner refers to a man or woman who lives and is registered in the population register as living at the same address as the insured, provided that

neither of the two are married

they cohabitate under marital conditions, i.e. as registered partners.

Reasonable costs Reasonable cost refers to a cost that Trygg-Hansa, with consideration for the prevailing conditions in the specific case, could reasonably expect to be customary and commonplace for the care or treatment provided at the location where the cost has been incurred.

Theft-prone property Theft-prone property refers to

objects that are made wholly or in part from precious metal, real pearls or precious stones

antiques, works of art, authentic rugs, watches, furs and items made from fur and collections of coins, notes, stamps or other objects with general collectors; value

cameras, projectors, binoculars, GPS, musical instruments, amplifiers, speakers, mobile telephones, communication equipment, computers and tablets.

weapons and weapon accessories, wines and spirits

valuable documents.

Safety regulation The safety regulation is regarded in chapter 4, section 6, paragraph 2 of the Insurance Contracts Act (Försäkringsavtalslagen, 2005:104) as a regulation concerning certain specific courses of action or provisions which are intend to prevent or limit damage, or concerning certain specific qualifications of the insured, their employees or other associates. Under chapter 8, section 12 of the Insurance Contracts Act (Försäkringsavtalslagen, 2005:104), the insurance company is free from liability in cases where a safety regulation is not followed, except when it can be presumed that such non-compliance has been of no significance to the damage or injury. If the insurance can demonstrate that the damage or injury would presumably have occurred regardless of compliance with the safety regulation, then compensation can be paid on this part.

Business travel Business travel refers here to travel/assignments carried out as part of work and on behalf of the policyholder. The destination of the tip shall be outside of the insured person’s ordinary principal place of business. Principal place of business refers here to an area whose outer boundary lies at a road distance of 50 km (closest route) from the insured persons place of work or from their place of residence. Travel between the insured’s place of work and their place of residence is not regarded as business travel

Principal place of business Principal place of business refers to an area whose outer boundary lies at a road distance of 50 km (closest route) from the insured persons place of work or from their place of residence.

terms and conditions - business travel insurance · for travel delays, after 4 hours the insurance...

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