AON Group Personal Accident Insurance Policy Information 2012

AON Group Personal Accident Insurance Policy Information
Version 01/2012
Contents:
§ General Policy Information
§ AON Personal Accident Insurance General Terms and Conditions (AON PAI GTC
2012)
The language used for policy documents is German.

In the event of discrepancies in terms of the content
and/or meaning of policy or other arrangements - in
particular between the German version of these
insurance terms and conditions and their English
translation - only the German version shall be relevant.
R+V Allgemeine Versicherung AG, Chairman of the Supervisory Board: Managing Director Dr. Friedrich Caspers
Board: Dr. Norbert Rollinger, Chairman; Frank-Henning Florian, Heinz-Jürgen Kallerhoff,
Hans-Christian Marschler, Rainer Neumann, Peter Weiler.
Registered office: Wiesbaden, Register of Companies No. HRB 2188, Wiesbaden District Court, Tax ID. No. DE 811198334
AON Personal AccidentlnsuranceGeneral TermsandConditions 2012

AON Group Personal Accident Insurance General Policy Information 2012
Risk bearer
The risk bearer is
R+V Allgemeine Versicherung AG

Raiffeisenplatz 1
65189 Wiesbaden, Germany
represented by its Managing Board, Chairman: Dr. Norbert Rollinger

Register of Companies No. HRB 2188, Wiesbaden District Court, Tax ID No. DE 811198334
R+V Allgemeine Versicherung AG operates all branches of loss insurance, personal accident and reinsurance
and offers insurance services all types.
Significant features of insurance policy
The significant features, in particular information regarding the nature, scope and settlement date of your
insurance benefit, are indicated in your policy documents, the AON Personal Accident Insurance General Terms
and Conditions 2012 (AON PAI GTC 2012) and any additional and special terms and conditions agreed. The
policy agreed is a Group Personal Accident Insurance policy which offers round the clock insurance cover
(unless agreed otherwise). The policy covers the consequences of accidents suffered by the persons/groups of
persons indicated in the policy documents. The benefits we offer and the amount of these benefits is indicated
on the quote and in the policy documents. The types of benefit insured are indicated in Section 2 of the AON
PAI GTC 2012.
Premium
The total premium to be paid (including statutory insurance premium tax), details of the premium amount and
when it is due as well as the method of payment are indicated in the quote, the insurance policy documents and
the terms and conditions of insurance applicable to your policy.
Please pay the initial premium immediately on receipt of your policy documents. Otherwise, cover shall
commence once we have received payment. We shall be entitled to cancel the policy until such time as a late
payment is received. The following premiums shall be due and payable on the respective agreed date. If you fail
to pay future premiums on time, your insurance cover will be compromised. We shall also be entitled to
terminate your policy under specific conditions.
Conclusion of policy agreement
The policy shall be formally concluded through two corresponding declarations of intent, the quote and your
acceptance. You will receive the insurance policy documents by post. The insurance policy shall be deemed
agreed on receipt of the policy documents unless you decide to exercise your right to cancel (see below).
Details of the start of the policy and the insurance cover provided are given in the quote and in the policy
documents. Please note that the commencement of insurance cover is dependent on prompt payment of the
respective premium.
Right to cancel
Right to cancel
You may cancel your policy declaration within 14 days, without stating your reasons, in writing (e.g.
letter, fax, e-mail). The period shall begin once you have received written copies of the policy
documents including the General Terms and Conditions of Insurance, the additional information in
accordance with Section 7 (1) and (2) of the German Insurance Policy Act [VVG] in conjunction with
Sections 1 to 4 of the VVG regulations regarding obligations to provide information and these special
instructions. The prompt sending of a cancellation notice shall be sufficient to ensure compliance with
the cancellation period.
Cancellation notices shall be sent
to:
R+V Allgemeine Versicherung AG
Raiffeisenplatz 1
65189 Wiesbaden, Germany
Fax: 0611 533-4500
E-mail: ruv@ruv.de

Consequences of cancellation
In the event of cancellation, insurance cover shall cease and we will reimburse premiums apportionable
to the period following receipt of the cancellation notice if you have agreed to the insurance cover
beginning prior to the end of the cancellation period. We reserve the right to retain the part of the
premium apportionable to the period until receipt of the cancellation notice in this case; in the event of
on-going premium payments, this shall represent an amount for each day on which the insurance cover
has been in place
- 1/360 of the annual premium,

- 1/180 of the half-yearly premium,
- 1/90 of the quarterly premium,
- 1/30 of the monthly premium,
- in the event of a single premium
single premium for your insurance policy

Period insured under your policy in years * 360
The payment method agreed with you and your premium amount is indicated in the policy documents.
Amounts to be paid back shall be reimbursed immediately, no later than 30 days following receipt of a
cancellation notice. If insurance cover is not due to start before the end of the cancellation period,
once a cancellation is effective payments received must be refunded and derived benefits (e.g.
interest) returned.
Particular information
Your right to cancel shall expire if, at your express request, the policy agreement is discharged in full
by you and by us before you have exercised your right to cancel.
End of cancellation instructions
Policy term
The term of the policy is indicated in the quote, in your policy documents and, where applicable, in the terms
and conditions of extension in the terms and conditions of insurance applicable to your policy.
Terminating the policy
Please refer to the terms and conditions of insurance applicable to your policy for information on
terminating your policy, in particular the terms relating to the right to cancel.
Applicable law/language
The law of the Federal Republic of Germany shall apply to your insurance policy.
The policy terms and conditions and preliminary information are in German and any correspondence sent during
the term of your policy shall also be in German.
Extrajudicial complaints department

In the event of a complaint, you may follow the extrajudicial complaints and legal remedy procedure by
consulting the insurance ombudsman. Address:
Versicherungsombudsmann e.V.
Postfach 080632, 10006 Berlin, Germany
Telephone: 0800 3696000, Fax: 0800 3699000, E-mail: Beschwerde@Versicherungsombudsmann.de
Such procedure shall be free of charge. We shall be bound by decisions made by the ombudsman up to a
value of EUR 10,000. Irrespective of recourse to this extrajudicial complaints department, you shall also have
the option to take legal action.
Further information is available at www.versicherungsombudsmann.de
Complaints to the regulatory authority
The regulatory authority is the Bundesanstalt für Finanzdienstleistungsaufsicht, Graurheindorfer Str. 108, 53117
Bonn, Germany. You can also contact the regulatory authority if you wish to file a complaint.
What should I do when benefits become payable?

After an accident, which is likely to involve liability, you or the insured person must inform us or your Aon broker
as soon as possible. In the event of a death, please inform us within 48 hours on 018 02 – 33 67 89, even if
the respective accident has already been reported. (Calls cost 0.06 cents from a Deutsche Telekom AG
landline. Costs from other landlines or mobile networks may vary. More information is given in Section 7 of the
AON PAI GTC 2012.
VAT
Premiums and benefits shall be exempt from VAT.

AON Personal Accident Insurance General Terms and Conditions 2012
(AON PAI GTC 2012)
The AON PAI GTC 2012 are based essentially on the Personal Accident Insurance General Terms and
Conditions (GPAIC 2008) recommended by the
• Association of German Insurers [Gesamtverband der Deutschen Versicherungswirtschaft e.V. (GDV)]

• Additional terms and conditions for group accident insurance (ATC-Group-AI)
and on
• R+V Allgemeine Versicherung AG acceptance guidelines (age clause, accumulation)

• the information to be provided to policyholders pursuant to Section 7 of the German Insurance Policy
Act [VVG] (in conjunction with the VVG regulations regarding obligations to provide information - VVG-
InfoV)
• the data processing leaflet
and have been compiled and extended for AON customers.
As the policyholder, you are our contractual partner.

Insured persons and/or groups of persons are indicated in the policy documents.
As the insurer, we shall provide the contractually agreed services.
Contents
Scope of insurance
1 What is covered?
2 Which types of benefit can be agreed?

2.1 Disability benefit
2.2 Accident benefit
2.3 Transitional benefit
2.4 Daily allowance
2.5 Daily hospital allowance
2.6 Death benefit
2.7 Rehabilitation allowance
2.8 Recovery costs
2.9 Ambulance transportation costs
2.10 Cosmetic surgery
2.11 Workplace conversion costs
2.12 Home and car conversion costs
2.13 Medical expenses in the event of a stay abroad
2.14 Immediate benefit in the event of serious injury
2.15 Coma allowance
2.16 Daily health retreat allowance
2.17 Hospital excess
2.18 Plaster cast allowance
2.19 Abduction allowance
3 What is the impact of illnesses or infirmities?

4 When does insurance cover not apply?
5 What do you need to take note of in the case of group accident insurance?
6 How are sums assured reduced on reaching the age of 75?

Entitlement to benefit
7 What must be considered following an accident (obligations)?
8 What are the consequences of failing to comply with obligations?
9 When are benefits due and payable?
Period insured
10 When does the policy start and finish?
When is insurance cover suspended in the case of military deployment?
Insurance premium
11 What must you consider when paying premiums?
What happens if you do not pay a premium on time?
Other terms and conditions

12 What are the legal relationships between the people involved in the policy?
13 What does the pre-contract duty of disclosure mean?
14 What needs be considered when sending information to us?
What happens if you change your address?
15 When do claims arising from the policy expire by limitation?
16 Which court shall be competent?
17 Which law applies?
18 What happens if you change your insurance broker?
19 Broker clause

Scope of insurance
1 What is covered?
1.1 We offer insurance cover in the event of accidents sustained by the insured person whilst the policy is
effective.
1.2 Unless agreed otherwise, the following shall apply:
1.2.1 Cover
- shall include accidents all over the world
- shall apply round the clock
- shall be provided for all accidents at work or outside work.
1.2.2 For customers or guests of the policyholder, insofar as these are legal entities, the insurance cover
shall only extend to accidents which these sustain whilst on the policyholder's premises. Premises
shall include access roads outside the premises and journeys to and from the premises insofar as and
as long as the customer and visitors are accompanied by an employee.
Sums assured shall be as follows:
in the event of disability EUR 25,000
in the event of death EUR 25,000
1.2.3 For lifeguards, cover shall be provided during efforts to save an insured person's life.
Sums assured shall be as follows:
in the event of disability EUR 25,000
in the event of death EUR 25,000
1.3 An accident has occurred if the insured person involuntarily suffers damage to his/her health as a
result of a sudden external event impacting upon his/her body.
1.4 The following shall also be considered accidents
1.4.1 If, as a result of strain placed on limbs or spinal column,
- a joint is dislocated or
- muscles, tendons, ligaments or joint capsules are pulled or torn;
1.4.2 Death by drowning or asphyxiation under water, as well as diving-related damage to health (bends,
barotrauma) without the cause being related to an accident.
1.5 Reference is made to the regulations regarding restrictions of benefit (Section 3, 5.2, 5.3 and 6) as well
as to exemptions (Section 4). These shall apply to all types of benefit.
2 Which types of benefit can be agreed?
The types of benefit that can be agreed are described below or in additional terms and conditions.
The types of benefit agreed with us and the sums assured are indicated in the policy documents.
2.1 Disability benefit

2.1.1 Pre-requisites for benefit:
2.1.1.1 Physical or emotional capacity of the insured person is permanently impaired as a result of an accident
(disability).
Impairment is permanent if it is likely to last for more than three years and a change in condition cannot
be expected.
Disability has
- occurred within 18 months of an accident and
- declared by a doctor in writing within 24 months of an accident and
notified to us by you with submission of a medical certificate.
2.1.1.2 There shall be no entitlement to disability benefit if the insured person dies as a result of the accident
within one year of the respective accident.
2.1.2 Nature and amount of benefit:
2.1.2.1 Disability benefit shall be paid as a capital sum.

2.1.2.2 The basis for calculating benefit shall be the sum assured and the degree of disability caused by the
accident
2.1.2.2.1 In the event of loss or total incapacity of the parts of the body and sensory organs indicated below, the
following degrees of disability shall apply:
Arm or hand 100%
Thumb 40%
Index finger 20%
Other finger 12%
Several fingers on one hand, however a maximum of 80%
Leg or foot 100%
Big toe 15%
Other toes 5%
Eye 60%
However, if the vision in the other eye
was already lost prior to the accident 100%
Hearing in one ear 50%
However, if the hearing in the other ear
was already lost prior to the accident 100%
Hearing in both ears 100%
Sense of smell 20%
Taste 20%
Voice 100%
Fertility in men 50%
Ability to conceive or give birth in women
prior to menopause (prior to perimenopause) 50%
In the event of partial loss or partial impairment of function, the corresponding part of the respective
percentage shall apply
2.1.2.2.2 In the case of other parts of the body and sensory organs, the degree of disability shall be measured to
the extent of overall impairment of physical or emotional capacity. This shall only be considered from a
medical perspective.
2.1.2.2.3 If the respective parts of the body or sensory organs or their function were already affected prior to an
accident, the degree of disability shall be reduced by the previous degree of disability. This shall be
calculated in accordance with Section 2.1.2.2.1 and Section 2.1.2.2.2.
In the event of total hearing loss or total blindness as a result of an accident, any previously existing
permanent impairment shall not deducted from the overall amount in the percentage at which the
impairment was rectified through a hearing aid, glasses or contact lenses.
2.1.2.2.4 If several parts of the body or sensory organs are impaired as a result of an accident, the degrees of
disability determined in accordance with the provisions indicated above shall be added together.
Figures over 100% shall not be considered.
2.1.2.2.5 Additional benefit in the event of upwards of 70% disability
The following shall apply to policies without a sliding scale of disability or other additional benefit terms
and conditions and without a special schedule of compensation (e.g. for doctors, professional
musicians etc.)
We shall pay double disability benefit in the event of the following:
- the degree of disability is determined in accordance with Sections 2.1.2.2.1 to 2.1.2.2.4 and Section 3
and
- the accident occurs before the insured person reaches the age of 70 and leads to a degree of
disability of at least 70%.
Additional benefit shall be limited for each insured person to a maximum of EUR 250,000.
If the insured person has other accident insurance policies with us, the maximum amount for all
insurance policies combined shall apply.

2.1.2.2.6 AON additional benefit
After a period of 5 years' servicing of this insurance policy by AON, the sums insured in the event of
disability shall increase by 5% and by a further 1% in each additional year, up to a maximum of 10%
and no more than EUR 100,000 per person.
The period of servicing by AON shall not be checked until an accident is reported.
If you change your insurance broker, the AON additional benefit shall cease to apply.
2.1.2.3 If an insured person dies
- as result of causes unrelated to an accident within one of the respective accident or
- more than one year after the respective accident regardless of the cause,
and if this gave rise to disability benefit entitlement, we shall pay such benefit in accordance with the
degree of disability that would have been anticipated on the basis of medical findings.
2.2 Accident benefit

The pre-requisites for invalidity benefit are indicated in Section 2.1.1.1.
The accident has led to a degree of disability of at least 50% determined in accordance with Section
2.1.2.2.1 to Section 2.1.2.2.4 and Section 3.
2.2.2 Benefit amount:

We shall pay the insured person accident benefit at the agreed sum assured irrespective of age.
Agreed sliding scales of disability or other additional benefits in the event of disability shall not be taken
into account when determining benefit amounts.
2.2.3 Start and duration of benefit:
2.2.3.1 We shall pay accident benefit
- retrospectively from the start of the month in which the accident occurred,
- monthly in advance.
2.2.3.2 Accident benefit shall be paid until the end of the month in which
- the insured person dies or
- we inform you that a reassessment made in accordance with Section 9.4 has found that the degree of
disability caused by an accident has fallen to less than 50%.
2.3 Transitional benefit

2.3.1 Pre-requisites for benefit
2.3.1.1 The normal physical and emotional capacity of the insured person in both a working and personal
environment is adversely affected as follows as a result of an accident with no contribution from
illnesses or infirmities:
2.3.1.1.1 after a period of three months from the date of the accident still calculated as 100% or
2.3.1.1.2 after a period of six months from the date of the accident still calculated as at least 50%.
2.3.1.2 Such impairment has existed without interruption during the period indicated.
The impairment has been claimed by you no later than seven months following the accident and you
have sent us a medical certificate.
Transitional benefit shall be paid as follows:
2.3.2.1 at 50% of the agreed sum assured in event of impairment as per Section 2.3.1.1.1;
2.3.2.2 at the sum assured amount less any benefits from Section 2.3.2.1 in the event of impairment as per
Section 2.3.1.1.2.

2.4 Daily allowance
2.4.1 Pre-requisite for benefit
2.4.1.1 As a result of the accident, the insured person is
- impaired in terms of their ability to work and
- is undergoing medical treatment.
2.4.2 Amount and duration of benefit:
A daily allowance shall be calculated in accordance with the agreed sum insured. It shall be graded in
accordance with the established degree of impairment in terms of work or employment.
A daily allowance shall be paid for the duration of medical treatment calculated from within two years of
the respective accident date, however for no longer than a period of 365 days.
If ability to work is still impaired after medical treatment has finished, a daily allowance shall continue to
be paid if
- the treating doctor certifies the impairment and
- a disability as per Section 2.1 has not (yet) been established by a doctor or
no accident benefit is being paid.
2.5 Daily hospital allowance

2.5.1 Pre-requisite for benefit
2.5.1.1 The insured person is undergoing necessary medical treatment in hospital as a result of an accident or
is undergoing an operation under general anaesthetic in a hospital as an outpatient.
2.5.1.2 Treatment at a health resort and stays in nursing homes or convalescent homes shall not be
considered necessary medical treatment.
Rehabilitation following inpatient treatment (AHB) and German Employer's Liability Association
inpatient rehabilitation treatment (BGSW) shall be considered necessary medical treatment.
2.5.2.1 A daily hospital allowance shall be paid within a period of three years calculated from the respective
accident date, for each calendar day of inpatient treatment, however, for no longer than 1,000 days.
2.5.2.2 We shall pay a daily hospital allowance for the
1st to the 42nd day double the sum assured
43rd to the 90th day three times the sum assured
91st to the 1000th day at the agreed
sum assured.
2.5.2.3 In the case of outpatient operations, we shall pay one-off compensation amounting to twice the amount
of the agreed daily hospital allowance.
2.5.2.4 Rooming in:
If, in the event of serious consequences resulting from an accident, medical advice suggests and it is
approved by a doctor that a person accompanying the insured person is accommodated in the
hospital together with the insured person, double the sum assured shall be paid each day for this
period.
2.5.2.4 Abroad:
In the event of a stay in hospital in countries where the insured person is not a permanent resident,
double the sum assured shall be paid each day.
This presupposes that the accident has taken place abroad and the stay in hospital follows directly on
from this.
The country of nationality shall not be deemed abroad.
2.5.2.5 A daily hospital allowance may thus be claimed in the event of the concurrence of all the above pre-
requisites from the 43rd to the 90th day up to a maximum of five times the respective amount.

2.6 Death benefit
The insured person dies within 12 months of an accident.
We refer to the particular obligations in accordance with Section 7.5
.
Death benefit shall be paid at the agreed sum assured.
If death benefit is due, substantiated funeral expenses up to EUR 7,500 may also be claimed.
The following shall apply to the following types of benefit:
If the insured person has several insurance policies with R+V, these benefits can only be claimed from
one of these policies.
2.7 Rehabilitation allowance

2.7.1.1 The insured person has
- following an accident under the terms of the insurance policy
- on account of the physical injury sustained as a result of the accident or its consequences
- within a period of three years calculated from the date of the accident
- for a consecutive period of at least three weeks
undergone medically necessary rehabilitation treatment.
Evidence of these pre-requisites shall be provided by you by submitting a medical discharge report as
well as documentation approving rehabilitation treatment from the BfA, statutory or private health
insurance provider or social security or pensions' office.
2.7.1.2 Outpatient rehabilitation treatment, where the insured person undergoes the same treatment
programme as an inpatient, without an overnight stay, shall also be covered.
2.7.1.3 The following shall not be covered
- Intensive rehabilitation care (IRENA),
- Follow-up medical treatment after a stay in hospital (AHB)
- German Employer's Liability Association inpatient rehabilitation treatment (BGSW)
- other inpatient treatment for which daily hospital allowance (from accident or health insurance) is
claimed from us or another company.
A rehabilitation allowance shall be paid as a one-off amount of EUR 3,000 per accident.
2.8 Recovery costs

2.8.1.1 The insured person has suffered an accident or was threatened with an accident or an accident was
assumed in accordance with the specific circumstances.
The insured person incurred costs required for his/her rescue, recovery or search.
2.8.1.2 A third party is not obligated to provide benefits or disputes its obligation to provide benefits or its
benefits are not sufficient to cover costs.
We shall reimburse costs up to EUR 25,000 for
2.8.2.1 Search, rescue or recovery work by rescue services organised under public or private law insofar as
the standard fees are charged for such work;
2.8.2.2. a period required in a decompression chamber insofar as this was necessary following a dive

2.9 Ambulance transportation costs
2.9.1.1 The insured person has incurred costs required for his/her transport following an accident.

We shall reimburse costs up to EUR 50,000 for
2.9.2.1 transport arranged by a doctor for the injured person to the nearest suitable hospital or special clinic;
2.9.2.2 transport considered medically appropriate for transferring from one hospital to another, for example to
a hospital near where the insured person lives;
2.9.2.3 return transport considered medically appropriate from abroad to the nearest suitable hospital near to
where the insured person lives using medically appropriate means of transport (ambulance or aircraft);
the decision whether the insured person is transported by land or air shall be taken by the attending
doctor.
2.9.2.4 the additional expenses involved in taking the insured person home, if the additional costs are based
on a doctor's instructions or were unavoidable given the nature of the injury;
2.9.2.5 the additional expenses incurred during the journey home or for the additional accommodation of
minors also travelling, and the partner of the insured person travelling with him/her in the event of an
accident abroad;
2.9.2.6 standard transfer to the last permanent address in the event of death resulting from an accident or
alternatively, a funeral abroad up to the same amount in the event of an accident abroad;
2.10 Cosmetic surgery

2.10.1.1 The insured person has undergone cosmetic surgery following an accident under the terms of the
policy.
Cosmetic surgery shall be considered surgical treatment performed following medical treatment which
aims to rectify impairment of the physical appearance of the insured person resulting from an accident.
2.10.1.2 The cosmetic surgery is performed within three years of the accident, in the case of accidents suffered
by minors, by the age of 21 at the latest.
We shall reimburse costs up to EUR 25,000 for proven
- medical fees
- other surgical costs
- costs required for accommodation and care in hospital
- costs of dental treatment and dental prostheses incurred due to loss or partial loss
of incisors and canines as a result of an accident.
2.11 Workplace conversion costs

2.11.1.1 The insured person is likely to be permanently impaired in terms of his/her physical or emotional
capacity as a result of an accident (disability).
As a result of this disability it is not possible for the insured person to pursue his/her professional
activities without restrictions.
Converting the workplace may result in the insured person being able to resume his/her work in full or
in part.

2.11.1.2 Claims for conversion costs shall be made to us within two years of an accident.
2.11.2 Nature of benefit:
2.11.2.1 We shall reimburse up to EUR 15,000 of substantiated costs involved in converting a workplace.
Workplaces shall the place where the insured person carried out most of his/her professional activities
prior to the accident.
Thus the costs of converting the following shall be reimbursed
- office furniture
- an office (e.g. widening doorways)
- a building (e.g. installing a ramp, lift)
- sanitary facilities and kitchens
- machinery/appliances
- car or HGV
- other equipment.
2.11.2.2 If conversion is more expensive than purchasing new items, the costs of purchasing new items shall be
reimbursed.
2.11.2.3 If the insured person and the policyholder jointly decide to set up a new workplace on the
policyholder's premises instead of converting the previous workplace, the costs involved in this shall be
reimbursed.
2.12 Home and car conversion costs

2.12.1.1 The insured person is likely to be permanently impaired in terms of his/her physical or emotional
capacity as a result of an accident (disability).
Converting a home or a car may reduce the consequences of a disability or make these more
bearable.
2.12.1.2 Any claims for conversion costs shall be made to us within two years of an accident.
2.12.2 Nature of benefit:
2.12.2.1 We shall reimburse up to EUR 15,000 of substantiated costs involved in
- the conversion of a flat and/or house in which the insured person lives (for example,
doorway widening, installation of a ramp, lift, sanitary facilities and kitchens),
- the conversion or new purchase of equipment and appliances for the home (for example,
telephone, fax, PC, emergency call system),
- the conversion of a car used by the insured person,
- move to a flat that has been adapted for disabled use.
2.13 Medical expenses in the event of stays abroad

The insured person has suffered an accident during a stay abroad (outside Germany) not exceeding
one year.
Medical expenses have been incurred in order to treat the consequences of an accident which have
not been reimbursed by a private or public health insurance provider.
We shall reimburse costs up to EUR 5,000 for proven
- medical fees
- other surgical costs
- costs required for accommodation and care in hospital

- medication
- artificial limbs
- dressings
- upwards of EUR 50
2.14 Immediate benefit in the event of serious injury

The insured person has suffered serious injuries as a result of an accident and has notified us of these
within six months of the accident submitting a relevant medical certificate.
2.14.1.1 Paraplegia following damage to the spinal cord,
2.14.1.2 Amputation of at least one entire foot or hand,
2.14.1.3 Cranial cerebral injury with conclusively established contusion or brain haemorrhage,
2.14.1.4 Severe multiple injuries /poly trauma:
2.14.1.4.1 Fracture of two long hollow bones (upper/lower arm, upper/lower leg),
2.14.1.4.2 Tissue damage to two internal organs
2.14.1.4.3 Combination of at least two of the following injuries
- fracture of a long hollow bone
- fracture of the pelvis
- fracture of one or more vertebrae
- tissue damage to an internal organ
2.14.1.5 Second or third degree burns over more than 30% of the body
2.14.1.6 Blindness or severe impairment of sight in both eyes; in the event of impairment of sight, visual acuity
of no more than five percent.
2.14.2 There shall be no entitlement to immediate benefit if the insured person dies within two months of the
respective accident date.
2.14.3.1 Immediate benefit shall be paid at a rate of 5% of the basic sum assured for the disability case,
however, no more than EUR 15,000.
2.14.3.2 Immediate benefit shall only be paid once on the occasion of an accident, irrespective of how many of
the indicated injuries the insured person sustains.
2.15 Coma allowance

The insured person has fallen into a coma on account of the physical injuries sustained in an accident
within two years of the date of the accident or was placed in an artificial coma for at least 5 days.
A coma allowance of EUR 500 shall be paid.
If the coma lasts more than
- 14 days, three times the agreed sum assured shall be paid
- 42 days, six times the agreed sum assured shall be paid
- 6 months, twelve times
the agreed sum assured shall be paid.

2.16 Daily health retreat allowance
2.16.1.1 The insured person has
- following an accident under the terms of the insurance policy
- on account of the physical injury sustained as a result of the accident or its consequences
- within a period of three years calculated from the date of the accident
attended a health retreat in Germany or abroad.
2.16.1.2 A health retreat shall be a retreat
- at an officially recognised health resort
- where the insured person receives at least two treatments per working day which
are designed to alleviate the consequences of an accident
- where the insured person stays overnight in a hotel at the health resort
- for which the medical insurance of the insured person pays no or only some
benefits.
An allowance shall not be paid for days where other daily allowances of any kind (for example, daily
hospital allowance, daily allowance, convalescence allowance) are paid by us on the basis of this or
any other policy.
A daily health retreat allowance of EUR 100 shall be paid per accident for a maximum of 30 days.
2.17 Hospital excess

2.17.1.1 The insured person shall be charged by his/her statutory health insurance provider for the costs
(excess) of medically necessary inpatient treatment owing to an accident.
Hospital excess shall be reimbursed at the verifiable amount charged to the insured person by his/her
statutory health insurance provider.
2.18 Plaster cast allowance

The insured person has worn a plaster cast on a doctor's instructions for a period of more than 21 days
as a result of an accident.
Unna paste dressings and Vacoped systems shall also be deemed plaster casts within the meaning of
the terms and conditions.
A plaster cast allowance shall be paid as a one-off amount of EUR 500 per accident.
2.19 Abduction allowance

The insured person has been abducted or held against his/her will in another manner as a result of a
criminal act.
The criminal act has been verifiably reported to and investigated by the police.
The entitlement to an abduction allowance has been claimed from us by you no later than three
months after the abduction was over.
An abduction allowance of EUR 500 shall be paid.
In the event of abduction abroad, the sum assured shall be doubled.
If the abduction lasts more than 42 days, five times the agreed sum assured shall be paid.

3 What is the impact of illnesses or infirmities?
As a personal accident insurer we cover the consequences of accidents. If illnesses or infirmities have
contributed to physical injury caused as a result of an accident or its consequences,
- in the event of disability, the degree of disability shall be reduced,
- in the event of death, and unless provision is made otherwise, in all other cases, the benefit shall be
reduced
in accordance with the degree of illness or infirmity.
If the degree of contribution is less than 45%, there shall be no reduction.
4 In which cases is insurance cover excluded?
4.1 No cover shall be provided for the following accidents:

4.1.1 Accidents involving the insured person as a result of mental derangement or impaired consciousness
as well as epileptic fits or other seizures which affect the entire body of the insured person.
Cover shall be provided, however,
- if these problems or attacks were caused by an accident under the terms of this
policy;
- for accidents as a result of impaired consciousness due to drunkenness; however, when driving a
motor vehicle only if the blood alcohol level at the time of the accident was below
one tenth of a percent
-for accidents caused as a result of a cardiac arrest or stroke.
4.1.2 Accidents which happen to the insured person in the course of performing or attempting to perform a
deliberate criminal act.
4.1.3 Accidents caused by war or hostilities.
War or hostilities shall be any action as a consequence of participation or attempt to participate in
military action between nations, including civil war, revolution and invasion.
An active participant shall be anyone on the side of a warring party who supplies, removes or
otherwise handles equipment, devices, vehicles, weapons or other material designated for warring
purposes.
Cover shall be provided, however, for accidents sustained by the insured person if said person is not
an active participant in a war or civil war (passive war risk).
Exempt shall be warring actions in the country of permanent residence of the insured person or any
country in which he/she resides for a period of at least 12 months at a stretch.
We shall be entitled to cancel insurance covering passive war risk at any time giving 14 days' notice.
4.1.4 Accidents involving the insured person
- as aircraft pilot (also pilot of aerial sports equipment) provided he/she requires
a licence for this under German law, and as other aircraft crew member;
- during professional activity to be performed with the aid of an aircraft;
- when using spacecraft
- as a performer, stunt man, animal tamer
- as person working underground in the mining industry,
- as detonation and mine sweeping personnel and in mine detection squads
- as professional diver,
- as professional, contract and licensed sportsman/woman (also racing driver and jockey).
4.1.5 Accidents which the insured person sustains in the course of their participation as driver, co-driver or
passenger of a vehicle in motoring events, including associated practice runs that involve the reaching
of high speeds.
However, private motoring events of a relaxed nature on routes used and approved exclusively for the
general public for this purpose (however, not on public roads/in public places) where the reaching high
speeds is not the sole aim (thus not tournaments, race series etc., even if these are unlicensed).

4.1.6 Accidents caused directly or indirectly by nuclear energy.
4.2 The following damages shall not be included:
4.2.1 Injuries to spinal discs as well haemorrhaging from internal organs and brain haemorrhages.
Cover shall not be provided if an accident under the terms of this policy according to Section 1.3 is the
primary cause.
4.2.2 Damage to health caused by radiation.
Cover shall not be provided for damage to health caused by accident-related effects of x-rays, laser,
microwave amplification by stimulated emission of radiation and artificially generated ultraviolet rays.
4.2.3 Damage to health caused by medical treatment or procedures on the body of the insured person.
Cover shall be provided, however,
- if the medical treatment or procedures, also diagnostic and therapeutic, involving radiation,
were caused as a result of an accident under the terms of this policy,
- for violent interventions by a third party.
4.2.4 Infections
4.2.4.1.1 These shall not be included if they
- were caused by insect stings or bites or
- by other minor skin or mucous membrane lesions
through which bacteria entered the body immediately or subsequently.
4.2.4.2 Cover shall be provided, however, for
- rabies and tetanus,
- infections, where bacteria enter the body through accident injuries not
excluded in accordance with Section 4.2.4.1,
- infections, where it is evident from medical history, findings or nature of the illness that bacteria
entered the body as a result of damage to the skin, where at least the outer layer of skin must be cut,
or as a result of sudden injection of infectious matter into the eyes, mouth or nose. Breathing on,
sneezing on or coughing on shall not constitute injection;
- tick-borne encephalitis and Lyme's disease,
- consequences of vaccinations against rabies, tetanus and tick-borne encephalitis.
4.2.4.3 For infections caused by treatment or procedures, Section 4.2.3 clause 2 shall apply accordingly.
4.2.5 Poisoning following the ingestion of solid or liquid substances through the gullet.
Cover shall not be provided, however, for children, who have not yet reached the age of 10 at the time
of the accident. The following shall apply in the case of food poisoning.
Included, however, shall be cases of poisoning resulting from the one-off consumption of a toxic
foodstuff, provided, resulting damage to health occurs within one week and is confirmed by a doctor
within this period. Section 2.1.1.1 Paragraph 2 shall be limited here in this respect.
4.2.6 Abnormal dysfunctions resulting from psychological reactions, which cannot be directly and causally
attributed to an organic injury/organic damage, even if these have been caused by an accident.
5 What must you consider in the case of group accident cover?

5.1 Description of insured persons
Group accident cover shall be agreed with or without naming insured persons. The form agreed is
indicated in the policy documents.
5.1.1 Insurance cover without indicating individual names

5.1.1.1 Cover shall be provided for persons belonging to a group named in the policy.
5.1.1.2 The persons to be insured must be named and recorded by you in such a way as to avoid any doubt
concerning the affiliation of the injured party to the insured group.
5.1.1.3 You are obliged to notify us of the number of insured persons on the premium due date of each year
before the end of a period of three months following the premium due date. If several groups are
insured, the number for each group is required.
5.1.1.4 We shall calculate the premium to be paid for the earlier period and for the current insurance year on
the basis of the information you provide and shall produce a corresponding premium statement.
5.1.1.5 Cover for individual insured persons shall expire if they leave your employment or the association.

5.1.2 Insurance cover indicating individual names
5.1.2.1 Cover shall be provided for named persons.
5.1.2.2 You may register persons not insured for insurance cover at any time if the job or employment and the
sums assured are the same as those of persons already insured. Cover shall be provided for additional
persons to the extent agreed from receipt of your notification to us.
5.1.2.3 Persons in other jobs or with other employment or with higher sums assured shall not be covered until
you have agreed the sums assured and respective premium with us.
5.1.2.4 We shall be entitled to refuse insurance for individual persons following a risk assessment. If we
refuse, insurance cover shall expire one month following the issue of our declaration.
5.1.2.5 For insured persons, who are due to leave the policy, cover shall expire at the earliest on the date we
receive your notification.
5.2 Combined maximum sum assured (accumulation)
If several persons insured under this group insurance policy are injured or killed, EUR 30,000,000 shall
be the total maximum compensation for all insured persons on the occasion of a damage-entailing
event, or related series of damages. A series of damages shall be considered all events with the same
cause which influence each other or are triggered in connection with one another.
If the above-mentioned amount is exceeded, this amount shall be deemed the combined maximum
sum assured for all insured persons. The sums assured agreed for individual insured persons shall be
reduced in such cases in accordance with the ratio of the individual sums assured to the overall
damage sustained by all persons affected based on the combined maximum sum assured.
5.3 Combined maximum sum assured ( air passenger accumulation)
If several of the persons insured under this group insurance policy use the same aircraft and if the
sums assured arising from the policy for these persons overall exceed the sums assured of
EUR 30,000,000 in the event of death
EUR 30,000,000 in the event of disability
EUR 30,000 for accident benefit
we must be notified at least three days prior to the flight. If we have not issued a cover note for sums
assured, which exceed the above-mentioned amounts, these amounts shall be considered combined
maximum sums assured for all insured persons on the same flight.
The sums assured agreed for individual insured persons shall be reduced in such cases in accordance
with the ratio of the individual sums assured to the overall damage sustained by all persons affected
based on the combined maximum sum assured.
If there is a possibility that the combined maximum sum assured could be exceeded, the policy benefit
shall not be due and payable for each insured person until the necessary investigations into the
accident event overall have been completed.

6 How are sums assured reduced on reaching the age of 75?
6.1.1 Cover shall be provided with the agreed sums assured until the end of the underwriting year in which
the insured person reaches the age of 75. After this you have the following options:
- you continue to pay the previous amount and we reduce the agreed sums assured to
50% or
- you submit a medical certificate regarding the state of health of the insured person and
we calculate the new sums assured and a corresponding higher premium.
6.1.2 If an agreement regarding new sums assured and premiums is not reached by the end of a period of
two months following the start of the underwriting year at the latest, the policy shall automatically
continue with sums assured reduced by 50%.
Such a change shall not be documented. In the event of an entitlement to benefit, the age of the
insured person shall be established and the benefit paid accordingly.
Entitlement to benefit
7 What must be considered following an accident (obligations)?
We are unable to provide our services without your cooperation and the cooperation of the insured person.
7.1 Following an accident, which is likely to entail liability, you or the insured person must immediately
- consult a doctor,
- follow the doctor's instructions and
- notify us.
7.2 You or the insured person must accurately complete and return immediately the accident notification
form we send you; any additional relevant information requested by us must be provided in the same
way.
7.3 If doctors are instructed by us, the insured person must allow examination by said doctor. We shall
bear the necessary costs in this respect, including any loss of earnings arising from this.
If proof of loss of earnings is not required in the case of self-employed persons, a fixed amount shall be
paid, i.e. 1‰ of the insured disability sum, maximum EUR 500.
7.4 Doctors who have treated or examined the insured person (also for other reasons), hospitals and other
medical institutions, other personal insurers, statutory health insurance providers, professional
associations and agencies shall be authorised to provide any information required for assessing
liability.
We shall inform you of the collection of individual health related data unless we have already received
your consent prior to the entitlement to benefit. You may object to the collection of data, but this may
lead to you losing your entitlement to benefit.
You may request at any time that data is only collected if consent has been given to each individual
collection.
7.5 If the accident results in death, this must be notified to us within 48 hours even if the accident has
already been reported.
We must be granted the right to arrange a post mortem by a doctor instructed by us.
7.6 In the case of individual types of benefit, other deadlines have to be met which do not, however,
involve obligations, but rather qualifying conditions.

8 What are the consequences of failing to comply with obligations?
8.1 If an obligation in accordance with Section 7 is deliberately not met, you will lose your insurance cover.
We shall be entitled in the event of a grossly negligent breach of obligations to reduce our payment by
an amount corresponding to the severity of your default. Both these shall only apply if we have
informed you separately in writing of these legal consequences.
If you prove that you have not committed a grossly negligently breach of your obligations, the
insurance cover shall remain in place.
Insurance cover shall also remain in place if you demonstrate that the breach of obligations was not
the cause either of the occurrence or the identification of the claim or of the identification or scope of
the benefit. This shall not apply if you have committed a fraudulent breach of your obligations.
These conditions shall apply irrespective of whether we exercise the right to cancel to which we are
entitled on account of a breach of a pre-contract duty of disclosure.
8.2 There shall be no breach of obligation if
- the insured person only consults doctor once the actual extent can be identified;
- the insured person goes back to work following an accident out of a sense of duty;
- it was initially assumed that there were no consequences as a result of the accident and for this
reason
the damage was not reported immediately;
- an obligation was inadvertently not fulfilled, but this was rectified as soon as
it was recognised.
9 When are benefits payable?

9.1 We are obliged, within one month
- in the case of a disability claim and accident benefit within three months, to declare in writing whether
and the extent to which we acknowledge a claim. These periods shall commence on receipt of the
following documents:
- evidence of the circumstances of the accident and its consequences,
- in the case of a disability claim, also evidence of the end of medical treatment
insofar as this is necessary in order to calculate disability;
- in the case of accident benefit also the medical certificate regarding a likely permanent
disability of at least 50%.
We shall cover the medical fees you incur in order to justify a claim for benefit provided we have
commissioned a medical opinion. We shall not cover other expenses.
9.2 If we acknowledge a claim or if we have agreed the reason and amount with you we shall pay within
two weeks.
9.3 Advance payments on disability benefit
The following shall apply to disability benefit in accordance with Section 2.1: If liability is established
initially on merits, we shall pay appropriate advances at your request.
Prior to the end of medical treatment, disability benefit can only be claimed within a year of the
accident up to the amount of an agreed capital sum payable on death.
9.4 Reassessment of disability
9.4.1 You and we shall be entitled to arrange for a degree of disability to be reassessed by a doctor each
year.
9.4.2 The entitlement indicated in Section 9.4.1 shall apply for up to two years, for children until the age of
18, however up to five years following an accident.
9.4.3 The entitlement indicated in Section 9.4.1 must
- be exercised by us together with our declaration regarding our liability in accordance with Section 9.1,
- be exercised by you prior to the end of the respective period.

9.4.4 In order to exercise your entitlement to reassessment of a disability pursuant to Section 9.4.1 within the
time limit pursuant to Sections 9.4.2 and 9.4.3, you must give us the option to instruct a doctor to
examine the insured person in good time prior to the end of the respective period. Your declaration of
your wish to exercise this right should therefore be submitted to us preferably three months after our
declaration of liability in accordance with Section 9.1, but must be with us no later than three months
prior to the end of the period in accordance with Section 9.4.2.
9.5 If the final assessment of the degree of disability for disability benefit in accordance with Section 2.1
produces a higher benefit amount than we have already provided, annual interest shall be charged on
the additional amount at 5 percentage points above the ECB base interest rate.
9.6 In order to check the pre-requisites for drawing accident benefit as per Section 1.1, we shall be entitled
to request life certificates. If a certificate is not sent immediately, payment of benefit shall cease from
the next due date.
Period insured
10 When does the policy start and finish?
When is insurance cover suspended in the case of military deployment?
10.1 Start of insurance cover

Cover shall commence on the date specified in the policy documents if you pay the initial or single
premium as soon as it is due and payable in accordance with Section 11.2.
10.2 Duration and end of the policy
10.2.1 The following shall apply to all policies:
Policies shall be concluded for the period indicated in the respective policy documents.
In the event of a policy term of at least one year, the policy shall be extended by a year respectively
unless you or we cancel the policy no later than three months prior to the end of the respective
underwriting year.
In the event of a policy term of less than one year, the policy shall end without cancellation being
required on the anticipated date.
In the event of a policy term of more than three years, the policy may be cancelled at the end of the
third year or at the end of any subsequent year; notice of cancellation must be given by you or us no
later than three months prior to the end of the respective underwriting year.
10.2.2 The following shall apply to group accident policies:

10.2.2.1 Insurance policies shall end if operations are suspended or the association is wound up. A transfer of
operations shall not constitute suspension of operations.
10.2.2.2 We shall be entitled to cancel the insurance contract giving one month's notice if you initiate insolvency
proceedings or the initiation of such proceedings is refused due to lack of assets.
10.2.2.3 Please refer to Sections 5.1.1.5 and 5.1.2.5 - End of insurance cover for persons covered by group
accident insurance.
10.3 Cancellation following a claim
You or we may cancel a policy if we have made a payment or you have filed a complaint concerning
payment against us.
Notice of cancellation must be received by you or us in writing no later than one month after payment
or, in the event of a legal dispute, after the discontinuation of proceedings, admission, settlement or
final judgement.
In terms of group insurance, we may cancel cover for an individually insured person under the same
conditions and giving the same period of notice.
You if cancel a policy, the cancellation shall be effective upon receipt by us. You may, however,
stipulate that the cancellation becomes effective on a later date, but no later than the end of the current
period of cover.
If we cancel a policy, the cancellation shall become effective three months after you have received
notice of said cancellation.

10.4 Suspension of cover in the event of military deployment
Cover shall expire for an insured person as soon as he/she is drafted to a military or similar unit which
is involved in a war or hostilities between China, Germany, France, United Kingdom, Japan, Russia or
the USA. Cover shall be resumed as soon as you notify us that military service has ended.
Insurance premium
11 What must you consider when paying premiums?
What happens if you do not pay a premium on time?
11.1 Premium and insurance tax

The premium for which you are invoiced shall include the statutory insurance tax payable.
11.2 Payment and consequences of late payment/initial or single premium
11.2.1 Payment due date
The initial or single premium shall be due and payable as soon as a period of two weeks has passed
following receipt of the policy documents.
If payment in instalments of the annual premium has been agreed, only the first instalment of the first
annual premium shall be deemed the initial premium.
11.2.2 Later start of insurance cover
If you fail to pay the initial or single premium on time, but pay it at a later date, insurance cover shall
not commence until this date. This shall not apply if you can demonstrate that you were not
responsible for non-payment.
11.2.3 Cancellation
If you fail to pay the initial or single premium on time we may cancel the policy for as long as the
premium remains unpaid. We shall not be entitled to cancel if you can demonstrate that you were not
responsible for non-payment.
11.3 Payment and consequences of late payment/follow-up premium
11.3.1 Due date and promptness of payment
The following premiums shall be due and payable on the respective agreed date.
11.3.2 Arrears
If a follow-up premium is not paid on time, you shall fall into arrears without a reminder unless you are
not responsible for the late payment.
We shall make a written request for payment at your expense and give you a period of at least two
weeks in which to pay the outstanding amount. This deadline shall only be effective if we quantify the
outstanding premium amounts as well as interest and charges in detail and specify the legal
consequences when the deadline has passed in accordance with Sections 11.3.3 and 11.3.4.
We shall be entitled to request compensation for damages incurred as a result of late payment.
11.3.3 No cover
If you are still in arrears with payment once this deadline has passed, no cover shall be provided from
this date until payment is received if this was pointed out to you in the request for payment in
accordance with Section 11.3.2 Paragraph 2.
11.3.4 Cancellation
If you are still in arrears with payment once this deadline has passed, we may cancel the policy without
complying with a deadline if we pointed this out to you in the request for payment in accordance with
Section 11.3.2 Paragraph 2.
If we have cancelled and you then pay the amount indicated in the reminder letter, the policy shall
continue. However, there shall be no cover for claims arising between receipt of the cancellation and
the payment.
11.4 Promptness of payment in the case of direct debit authorisation
If the debiting of premiums from an account has been agreed, payment shall be considered on time if
the premium can be collected on the due date and you do not object to an authorised debit.

If it is not possible for us or your insurance broker to collect the premium due, but this is not due to fault
on your part, the payment shall also be deemed on time if it is made immediately on receipt of our
written request for payment.
If it is not possible to collect the premium due because you have withdrawn the direct debit mandate,
or are responsible for other reasons for the fact that the premium cannot be collected on repeated
occasions, we shall be entitled to request future payment not through the direct debit system. You shall
be obliged to pay the initial premium when requested to do so by us in writing.
11.5 Part payment and consequences in the event of late payment
If payment in instalments of the annual premium has been agreed, outstanding instalments shall be
due and payable immediately if you fall into arrears with the payment of an instalment.
Furthermore, we may request annual payment of premiums in the future.
11.6 Payment of premium to AON
AON shall be entitled to take charge of collecting your premiums and undertakes to forward these to
us. Payment of premiums to AON shall be the same as payment to us.
Other terms and conditions

12 What are the legal relationships between the parties involved in the policy?
12.1 If the policy covers accidents sustained by another party (third party insurance), you, not the insured
person, shall be entitled to exercise the rights arising from the policy. You shall be responsible in
addition to the insured person for meeting obligations.
12.2 All terms and conditions applicable to you shall be applicable mutatis mutandis to your legal
successors and other claimants.
12.3 Insurance claims may not be transferred or pledged prior to the settlement date without our consent.
13 What does the pre-contract duty of disclosure mean?
13.1 Completeness and correctness of information about risk-relevant situations

You have notified us of all risk situations known to you prior to the submission of your policy
declaration which we asked you about in writing and which are relevant in terms of our decision to
conclude the policy with the agreed content. You shall also undertake to disclose information insofar
we ask questions in accordance with clause 1 after the submission of your policy declaration, but prior
to our acceptance of the policy.
Risk-relevant are situations that are likely to influence our decision to agree the policy in the first place
or with the agreed content.
If another person is due to be insured, this person shall be responsible along with you for the truthful
and complete disclosure of risk-relevant situations and for answering the questions put to you.
If the policy is concluded by your representative and said representative is aware of a risk-relevant
situation, you must seek to deal with this as if you had been aware of or maliciously concealed this
yourself.

13.2 Cancellation
13.2.1 Pre-requisites and exercising right to cancel
Incomplete and incorrect information regarding risk-relevant situations shall entitle us to cancel the
policy agreement.
This shall only apply if we have informed you separately in writing of the consequences of a breach of
the duty of disclosure.
We must exercise our right to cancel in writing within one month. We shall indicate situations in the
process on which our cancellation is based. We may also subsequently indicate additional situations
justifying our cancellation within the respective month.
This period shall commence on the date on which we become aware of a breach of the duty of
disclosure justifying our right to cancel. Cancellation shall take effect on declaration of such to you.
13.2.2 Exclusion of the right to cancel
We may not invoke our right to cancel if we were aware of the undisclosed risk situation or that
information was incorrect.
We shall not be entitled to cancel if you demonstrate that you or your representative did not provide
incorrect or incomplete information either deliberately or in a grossly negligent manner.
We shall not be entitled to cancel on account of a grossly negligent breach of the duty of disclosure if
you demonstrate that we would have concluded the policy even if we had been aware of the
undisclosed situations, albeit under different terms and conditions.
13.2.3 Consequences of cancellation
No cover shall be provided in the event of cancellation.
If we cancel following the occurrence of a claim, we may not refuse to provide cover if you demonstrate
that the situation disclosed incompletely or incorrectly was not the cause either of the occurrence of the
claim or the identification or scope of the benefit.
However, no cover shall be provided in this case either, if you are in fraudulent breach of your duty of
disclosure.
We shall be entitled to the part of the premium corresponding to the period of the policy that has
lapsed prior to the entry into force of the cancellation notice.
13.3 Cancellation or retrospective policy adjustment
13.3.1 If we are not entitled to cancel because your breach of the duty of disclosure was not deliberate or the
result of gross negligence, we may cancel the policy giving one month's notice in writing.
We shall indicate situations in the process on which our cancellation is based. We may also
subsequently indicate additional situations justifying our cancellation within the respective month.
This period shall commence on the date on which we become aware of the breach of the duty of
disclosure.
We may not invoke our right to cancel on account of a breach of the duty of disclosure if we were
aware of the undisclosed risk situation or that information was incorrect.
We shall not be entitled to cancel if you demonstrate that we would have concluded the policy even if
we had been aware of the undisclosed situations, albeit under different terms and conditions.
13.3.2 If we are unable to cancel because we would have concluded the policy even if were aware of the
undisclosed situations, albeit under different terms and conditions, such different terms and conditions
shall retrospectively become part of the policy at our request. If you are not responsible for the breach
of duty, the different terms and conditions shall become part of the policy from the current underwriting
period onwards.

We must enforce the policy adjustment within one month in writing. We shall indicate situations in the
process on which our cancellation is based. We may also subsequently indicate additional situations
justifying our cancellation within the respective month.
This period shall commence on the date on which we become aware of the breach of the duty of
disclosure entitling us to adjust the policy.
We may not rely on a policy adjustment if we were aware of the undisclosed risk situation or that
information was incorrect.
If the premium increases by more than 10% as a result of the policy adjustment or if we suspend risk
cover for the undisclosed situation, you may cancel the policy within one month of receipt of our
notification without giving notice.
13.4 Rescission
Our right to rescind the policy on account of fraudulent misrepresentation shall remain unaffected. In
the event of rescission, we shall be entitled to the part of the premium corresponding to the period of
the policy that has lapsed prior to the entry into force of the rescission notice.
14 What needs to be considered when sending information to us? What happens if you change
your address?
14.1 All notices and declarations intended for our attention should be sent to
- our company headquarters/head office or
- to your insurance broker
may be acquired.
14.2 If you have not informed us or your insurance broker of a change of address, it shall be sufficient for a
declaration of intent, which we wish to submit to you, to send a registered letter to the last address
known to us. The declaration shall be deemed received three days after the letter has been sent.
This shall likewise apply in the event of a change of name.
15 When do claims arising from the policy expire by limitation?
15.1 Claims arising from your insurance policy shall expire by limitation in three years. The period shall
commence at the end of the year in which the claim arose against us and you have become aware of
the circumstances justifying the claim or ought to have become aware of these without gross
negligence. Regardless of awareness or grossly negligent ignorance, all claims shall expire by
limitation 10 years after they have arisen.
15.2 If a claim arising from the insurance policy has been reported to us, expiry by limitation shall be
stopped from said reporting until the date on which you receive our decision in writing.
16 Which court shall be competent?
16.1 In the case of complaints against us arising from the insurance policy, court competence shall be
determined in accordance with our registered office or the registered office of our branch responsible for
the insurance policy. The court in the district in which you have your usual place of residence, or in the
absence of this, your temporary place of residence, shall also be locally competent.
16.2 Complaints arising from the insurance policy against you must be filed with the court which is competent
in your usual place of residence or failing this your temporary place of residence. If the policyholder is a
legal entity, the competent court shall also be determined according to the registered address or place of
business of the policyholder.
The same shall apply if the policyholder is an unlimited company, limited partnership, company under
private law or a registered partnership.

17 Which law applies?
German law shall apply to this policy.
18 What happens if you change your insurance broker?
18.1 If you change your broker, the policy may no longer continue under the same terms and conditions.
The ''AON GTC 2012' shall no longer form the basis of this policy from the premium due date
immediately following the change. Unless agreed otherwise, the respective valid General Accident
Insurance Terms and Conditions of R+V Allgemeine Versicherung AG and the premiums and standard
rates set by the R+V Allgemeine Versicherung AG shall apply from this date instead. You will receive a
copy of these in conjunction with the documentation relating to a change of broker.
18.2 If you are not in agreement with the applicability of the new policy bases, you may cancel the policy
giving one month's notice on the next premium due date following the change of broker. If the change
of broker takes place on a date when the exercise of this special right to cancel is no longer possible
on account of the deadline having expired, the 'AON GTC 2012' shall continue to apply for a further
underwriting year and shall then no longer apply from the following premium due date.
18.3 If administration of the policy is taken over directly by the insurance company, the 'AON GTC 2012'
shall continue to apply for as long as AON fails to object to their further application. In the event of an
objection on the part of AON, Sections 1 and 2 shall apply accordingly.
19 Broker clause
AON shall be entitled to receive notices and declarations of intent from you and undertakes to pass these on to us
immediately.

AON Group Personal Accident Insurance Policy Information 2012

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AON Group Personal Accident Insurance Policy Information 2012

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AON Group Personal Accident Insurance Policy Information

§ General Policy Information

The language used for policy documents is German.

AON Personal AccidentlnsuranceGeneral TermsandConditions 2012

R+V Allgemeine Versicherung AG

represented by its Managing Board, Chairman: Dr. Norbert Rollinger

Significant features of insurance policy

Conclusion of policy agreement

AON Personal AccidentlnsuranceGeneral TermsandConditions 2012

- 1/360 of the annual premium,

- in the event of a single premium

single premium for your insurance policy

End of cancellation instructions

Terminating the policy

Extrajudicial complaints department

Complaints to the regulatory authority

What should I do when benefits become payable?

AON Personal AccidentlnsuranceGeneral TermsandConditions 2012

Premiums and benefits shall be exempt from VAT.

AON Personal AccidentlnsuranceGeneral TermsandConditions 2012

• Association of German Insurers [Gesamtverband der Deutschen Versicherungswirtschaft e.V. (GDV)]

• R+V Allgemeine Versicherung AG acceptance guidelines (age clause, accumulation)

and have been compiled and extended for AON customers.

As the policyholder, you are our contractual partner.

2 Which types of benefit can be agreed?

3 What is the impact of illnesses or infirmities?

AON Personal AccidentlnsuranceGeneral TermsandConditions 2012

Other terms and conditions

AON Personal AccidentlnsuranceGeneral TermsandConditions 2012

2 Which types of benefit can be agreed?

2.1 Disability benefit

AON Personal AccidentlnsuranceGeneral TermsandConditions 2012

AON Personal AccidentlnsuranceGeneral TermsandConditions 2012

2.2 Accident benefit

2.2.2 Benefit amount:

2.3 Transitional benefit

AON Personal AccidentlnsuranceGeneral TermsandConditions 2012

2.5 Daily hospital allowance

AON Personal AccidentlnsuranceGeneral TermsandConditions 2012

The following shall apply to the following types of benefit:

2.7 Rehabilitation allowance

2.8 Recovery costs

AON Personal AccidentlnsuranceGeneral TermsandConditions 2012

2.9.2 Nature and amount of benefit:

2.10 Cosmetic surgery

2.11 Workplace conversion costs

AON Personal AccidentlnsuranceGeneral TermsandConditions 2012

2.12 Home and car conversion costs

2.13 Medical expenses in the event of stays abroad

AON Personal AccidentlnsuranceGeneral TermsandConditions 2012

2.14 Immediate benefit in the event of serious injury

2.15 Coma allowance

AON Personal AccidentlnsuranceGeneral TermsandConditions 2012

2.17 Hospital excess

2.18 Plaster cast allowance

2.19 Abduction allowance

AON Personal AccidentlnsuranceGeneral TermsandConditions 2012

4 In which cases is insurance cover excluded?

4.1 No cover shall be provided for the following accidents:

AON Personal AccidentlnsuranceGeneral TermsandConditions 2012

5 What must you consider in the case of group accident cover?

5.1.1 Insurance cover without indicating individual names

AON Personal AccidentlnsuranceGeneral TermsandConditions 2012