General conditions of travel medical insurance



2. Police covers the following expenses up to the amount of igurimit indicated in this policy, and within the period of insurance for travellers during their stayoutside of the territory of Kosovo.

1 section. Medical expenses

1. a. Expenses for medical assistance quickly-and hospitalization and reasonableand necessary expenses for repatriation of the insured person due to illness orinjury during the period of insurance.

2. b. Reasonable travel expenses and hotel (limited to the cost of air travel and to $ 100 per day for accommodation expenses to a maximum of seven days) of a relative or friend (that cannot be covered) write request medical report travel/subsistence or accompany the insured person if severely damaged during the period of insurance.

3. c. Funeral Expenses outside of the territory of Kosovo and/or the cost oftransporting the body or ashes of the insured person at his residence to show to the police if he dies during the coverage period. Maximum value of up to 10,000. The cover of this fact after the approval of the relevant addresses of thesecurity services indicated in the policy.

2 section. repatriation expenses

The insurer will pay for the rental of a transport vehicle or air ambulance orregular use of airline, including qualified attendants certificates, if necessary, by a physician authorized by the insurer or their agents for repatriation or treat ill orseriously injured. Maximum value of coverage to over 20,000 .

3 section. Cover for personal accidents

According to this section covers bodily injury to an insured person caused solelyand directly by violent, accidental, external and visible. These injuries that occurred during the period of insurance. Also here included an accidental occurrence of an adversity aircraft or water in which the insured travels.According to this section are covered incidents that we said port:
1. accidental death, loss of one or both of the limbs, loss of vision in one or both eyes. Maximum value of the coverage is up to $ 10,000.
2. permanent total disability, the coverage is of 10,000 vlerale?? .

PROVISIONS of SECTION 3

With regard to an insured person under the age of 16 years at the time, thedeath compensation referred to in paragraph 1 above must be conditioned to1,000 . No compensation will be paid: (a) the death or loss occurs after 12months of compensation pursuant to paragraph 1.

(B) unless the insurer proves that papaftësia continued for 12 months from the date of injury and more likely to complete the entire remaining life of the injured person.

(C) the maximum possible compensation for one or more injuries to the insured person during insurance period not exceeding  10,000.

Exceptions are applicable to all sections
The insurer does not pay:



1. For expenses that are paid or will be paid in Kosovo

2. the costs incurred by the insured, 3 months after the end of the insuranceperiod.

3. The costs incurred by the insured, three months after the date of diagnosis ormedical treatment.

4. For the first € 100 each request for damages (only 1 section)

5. For expenses that are paid by a plan doctor, police, insurance or privatemedical program.

6. costs resulting from the effects of drugs or poisons of any kind, from vetvasjet,criminal act of the insured person or worsening vetëeksponimit specific risks(despite efforts to save human life).

7. repatriation expenses that are paid without the approval of the serviceprovider to the addresses written on the policy.

8. For any costs incurred due to the war and associated risks.

9. For expenses incurred for the treatment of mental or nervous conditions.

10. eye zakononshme visits and provide assistance to visit, visits
Common ear

Conditions applicable to all sections
1. The insurer did not respond to requests for indemnification pursuant to thisprovision, if the person (people) the insured or any other right granted to wear,have not complied with everything you need to do within the framework ofpolicy and insurance documents.

2. The insured person must be careful enough to avoid accidents, injuries or illnesses.

3. all information, certificates and registrations required by insurers to the addresses indicated in the police or the insurance company "Sigkos" JSC will be made at the expense of the insured person or his legal representative.

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