Common use of Specific Exclusions Clause in Contracts

Specific Exclusions. In addition to the exclusions common to all guarantees, the following are also excluded We do not become involved under the following circumstances:  Travel taken for the purpose of diagnosis and/or treatment,  Medical and hospitalisation expenses in the country of residence,  Drunkenness, suicide or attempted suicide and their consequences,  Any voluntary mutilation of the insured,  Ailments or benign injuries which can be treated on site and/or which do not prevent the Beneficiary/Insured from continuing their trip,  The conditions of pregnancy, unless there are unforeseeable complications, and in all cases, the conditions of pregnancy beyond the 36th This listening work is not to be confused with the psychotherapeutic work done by licensed practitioners. In any case, due to the physical absence of the caller, this service cannot replace psychotherapy. NEED ASSISTANCE? Contact us, 7 days/week and 24 hours/day By phone from France: +00 0 00 00 00 00 by e-mail (Call not surcharged, cost according to operator, call may be recorded) xxxxxxxxxx@xxxxxxxx.xx To permit us to intervene under the best conditions, remember to prepare the following information that will be requested during your call: › The number of your contract, › Your last and first names, › Your home address, › The country, city or town where you are at the time of the call, › Specify the exact address (no., street, hotel, etc.), › The phone number where we can reach you, › The nature of your problem. At the time of the first call, an assistance case number will be provided to you. Provide it each time that you are in contact with our Assistance Service. CANCELLATION FEES PRISE D’EFFET EXPIRATION DES GARANTIES Cancellation: the day of subscription to the present contract Cancellation: the day of arrival at the place you are staying – the place the group has to report to (outward journey)

Specific Exclusions. In addition to the exclusions common to all guarantees, the following are also excluded We do not become involved under the following circumstances:  Travel taken for the purpose of diagnosis and/or treatment,  Medical and hospitalisation expenses in the country of residence,  Drunkenness, suicide or attempted suicide and their consequences,  Any voluntary mutilation of the insured,  Ailments or benign injuries which can be treated on site and/or which do not prevent the Beneficiary/Insured from continuing their trip,  The conditions of pregnancy, unless there are unforeseeable complications, and in all cases, the conditions of pregnancy beyond the 36th This listening work is week, abortion, the consequences of childbirth,  Convalescence and ailments during treatment, not yet consolidated and involving a risk of sudden aggravation,  Illness diagnosed previously that have resulted in hospitalisation in the 6 months preceding the date of departure on the trip,  Events related to be confused with medical treatment or surgery that are not unforeseen, fortuitous or accidental,  Prosthesis costs: optical, dental, acoustic, functional, etc.  The consequences of infectious risk situations in an epidemic context that are subject to quarantine or preventive measures or specific surveillance by the psychotherapeutic work done by licensed practitioners. In any case, due to the physical absence international health authorities and/or local health authorities of the callercountry where you are staying and/or national of your country of origin, this service cannot replace psychotherapyunless otherwise specified in the guarantee. NEED ASSISTANCE? Contact us, 7 days/week and 24 hours/day By phone from France: +00 0 00 00 00 00 by e-mail (Call not surcharged, cost according to operator, call may be recorded) xxxxxxxxxx@xxxxxxxx.xx To permit us to intervene under the best conditions, remember to prepare the following information that will be requested during your call: › The number of your contract, › Your last and first names, › Your home address, › The country, city or town where you are at the time of the call, › Specify the exact address (no., street, hotel, etc.), › The phone number where we can reach you, › The nature of your problem. At the time of the first call, an assistance case number will be provided to you. Provide it each time that you are in contact with our Assistance Service. CANCELLATION FEES PRISE D’EFFET EXPIRATION DES GARANTIES Cancellation: the day of subscription to the present contract Cancellation: the day of arrival at the place you are staying – the place the group has to report to (outward journey)

Specific Exclusions. In addition to the exclusions common to all guarantees, the following are also excluded We do not become involved under the following circumstances:  Travel taken for the purpose of diagnosis and/or treatment,  Medical and hospitalisation expenses in the country of residence,  Drunkenness, suicide or attempted suicide and their consequences,  Any voluntary mutilation of the insured,  Ailments or benign injuries which can be treated on site and/or which do not prevent the Beneficiary/Insured from continuing their trip,  The conditions of pregnancy, unless there are unforeseeable complications, and in all cases, the conditions of pregnancy beyond the 36th This listening work is not to be confused with the psychotherapeutic work done by licensed practitioners. In any case, due to the physical absence of the caller, this service cannot replace psychotherapy. NEED ASSISTANCE? Contact us, 7 days/week and 24 hours/day By phone from France: +00 0 00 00 00 00 by e-mail (Call not surcharged, cost according to operator, call may be recorded) xxxxxxxxxx@xxxxxxxx.xx To permit us to intervene under the best conditions, remember to prepare the following information that will be requested during your call: › The number of your contract, › Your last and first names, › Your home address, › The country, city or town where you are at the time of the call, › Specify the exact address (no., street, hotel, etc.), › The phone number where we can reach you, › The nature of your problem. At the time of the first call, an assistance case number will be provided to you. Provide it each time that you are in contact with our Assistance Service. CANCELLATION FEES PRISE D’EFFET EXPIRATION DES GARANTIES CANCELLATION FEES Cancellation: the day of  Serious illness, serious accident or death including relapse, worsening of a chronic or pre- existing condition as well as the results or after- effects of an accident that occurred before the contract was taken out of the person replacing Cancellation: the day of subscription to the present contract Cancellation: the day of arrival at the place you are staying – the place the group has to report to (outward journey)contract

Specific Exclusions. In addition to the exclusions common to all guarantees, the following are also excluded We do not become involved under the following circumstances:  ♦ Travel taken for the purpose of diagnosis and/or treatment,  ♦ Medical and hospitalisation expenses in the country of residence,  ♦ Drunkenness, suicide or attempted suicide and their consequences,  ♦ Any voluntary mutilation of the insured,  ♦ Ailments or benign injuries which can be treated on site and/or which do not prevent the Beneficiary/Insured from continuing their trip,  ♦ The conditions of pregnancy, unless there are unforeseeable complications, and in all cases, the conditions of pregnancy beyond the 36th week, abortion, the consequences of childbirth, ♦ Convalescence and ailments during treatment, not yet consolidated and involving a risk of sudden aggravation, This listening work is not to be confused with the psychotherapeutic work done by licensed practitioners. In any case, due to the physical absence of the caller, this service cannot replace psychotherapy. NEED ASSISTANCE? Contact us, 7 days/week and 24 hours/day By phone from France: +00 0 00 00 00 00 by e-mail (Call not surcharged, cost according to operator, call may be recorded) xxxxxxxxxx@xxxxxxxx.xx To permit us to intervene under the best conditions, remember to prepare the following information that will be requested during your call: › The number of your contract, › Your last and first names, › Your home address, › The country, city or town where you are at the time of the call, › Specify the exact address (no., street, hotel, etc.), › The phone number where we can reach you, › The nature of your problem. At the time of the first call, an assistance case number will be provided to you. Provide it each time that you are in contact with our Assistance Service. CANCELLATION FEES PRISE D’EFFET EXPIRATION DES GARANTIES Cancellation: the day of subscription to the present contract Cancellation: the day of arrival at the place you are staying – the place the group has to report to (outward journey)

Specific Exclusions. In addition to the exclusions common to all guarantees, the following are also excluded We do not become involved under the following circumstances:  Travel taken for the purpose of diagnosis and/or treatment,  Medical and hospitalisation expenses in the country of residence,  Drunkenness, suicide or attempted suicide and their consequences,  Any voluntary mutilation of the insured,  Ailments or benign injuries which can be treated on site and/or which do not prevent the Beneficiary/Insured from continuing their trip,  The conditions of pregnancy, unless there are unforeseeable complications, and in all cases, the conditions of pregnancy beyond the 36th week, abortion, the consequences of childbirth,  Convalescence and ailments during treatment, not yet consolidated and involving a risk of sudden aggravation, This listening work is not to be confused with the psychotherapeutic work done by licensed practitioners. In any case, due to the physical absence of the caller, this service cannot replace psychotherapy. NEED ASSISTANCE? Contact us, 7 days/week and 24 hours/day By phone from France: +00 0 00 00 00 00 by e-mail (Call not surcharged, cost according to operator, call may be recorded) xxxxxxxxxx@xxxxxxxx.xx To permit us to intervene under the best conditions, remember to prepare the following information that will be requested during your call: › The number of your contract, › Your last and first names, › Your home address, › The country, city or town where you are at the time of the call, › Specify the exact address (no., street, hotel, etc.), › The phone number where we can reach you, › The nature of your problem. At the time of the first call, an assistance case number will be provided to you. Provide it each time that you are in contact with our Assistance Service. CANCELLATION FEES PRISE D’EFFET EXPIRATION DES GARANTIES Cancellation: the day of subscription to the present contract Cancellation: the day of arrival at the place you are staying – the place the group has to report to (outward journey)