Guest Care. Comprehensive cover for your guests

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1 Comprehensive cover for your guests Guest Care Guest Care is a flexible health insurance solution for people visiting from abroad. With no monetary limits on the treatment costs covered in Switzerland, and thanks to the minimum cover in Schengen states set by the Swiss Federal Office for Migration, your guests have comprehensive insurance against the financial consequences of illness and accident. Three good reasons for choosing Guest Care Full costs of outpatient and inpatient emergency treatment covered in the event of illness or accident Transport, rescue and search costs covered Professional support in medical emergencies from Sanitas Assistance (24/7 phone service)

2 Sanitas Assistance Emergency help by phone (tel. +41 [0] ) A network of specialists there to help around the clock in an emergency Support with organising transport, commitments to provide cover, and more besides Sanitas Assistance must be notified immediately if a stay in hospital is necessary Insurance Choose the desired cover General ward Multi-bed room, with treatment by a hospital-based doctor Semiprivate Two-bed room and private doctor (can only be taken out for people up to 65) Private Single room and private doctor (can only be taken out for people up to 65) Please note that existing conditions, conditions resulting from an accident and maternity-related claims are not covered. Costs at a glance Monthly premiums Guest Care can be taken out for whole months only (for a maximum of six months) depending on requirements for anyone who is not permanently resident in Switzerland. Monthly premiums are specified in Swiss francs (CHF), and depend on the age of the person insured and the desired category of cover. Age* General Semiprivate Private 0 18 CHF 140 CHF 240 CHF CHF 190 CHF 290 CHF CHF 250 CHF 350 CHF CHF 270 CHF 400 CHF CHF 290 CHF 450 CHF CHF 320 CHF 500 CHF CHF 350 CHF 550 CHF CHF 350 Not insurable Not insurable *The age reached in the calendar year in which insurance commences Easy to take out Straightforward, comprehensive cover Taking out insurance for your guests couldn t be more convenient: simply use the enclosed paying-in slip. Once stamped by the post office, the stub of the paying-in slip is valid confirmation of insurance. You can insure up to four people with each paying-in slip. Cover commences on the date chosen by you, but at the earliest when your guests enter Switzerland or the Schengen Area, provided the following conditions are met: Insurance is taken out before your guests enter the country All details are filled out correctly and in full The relevant premium has been transferred to Sanitas Making a claim In the event of a claim, please send original invoices and receipts, medical certificates and reports to: Sanitas, Guest Care, Jägergasse 3, P.O. Box, 8021 Zurich

3 General Terms of Insurance Supplementary insurance plans as per the Insurance Contract Act (VVG/LCA) July 2009 edition (amended 2012) Insurance carrier: Sanitas Privatversicherungen AG Scope of coverage 1 Basis of the insurance contract 1 The insurance contract is based on the General Terms of Insurance. 2 In the event that a matter is not explicitly covered in these documents the provisions of the Insurance Contract Act (VVG/LCA) shall apply. 3 This translation is provided for the sake of convenience. The wording of the German original shall take precedence. 4 In this document the masculine form refers to both genders. 2 Subject of insurance 1 Sanitas Privatversicherungen AG (hereinafter Sanitas ) covers the financial consequences of acute illness or accident during a temporary stay in Switzerland or a Schengen member state. The insured person can choose between the following categories of coverage: General: outpatient treatment, plus the costs of inpatient care in a general ward Semiprivate: outpatient treatment, plus the costs of inpatient care in a semiprivate room Private: outpatient treatment, plus the costs of inpatient care in a private room 2 Semiprivate and Private coverage can only be taken out if the insured person is aged 65 or under at the time when coverage commences. 3 The financial consequences of maternity are covered through the end of the 26th week of pregnancy in the event of unforeseen complications during pregnancy. 3 Insured persons 1 Coverage is available to persons who are not resident in Switzerland and are not obligated to take out mandatory health insurance under the Health Insurance Act (KVG/LAMal). 2 The insurance covers the persons specified on the remittance slip (insured persons). 4 Scope of benefits 1 The insurance pays costs in excess of the benefits paid under any social security scheme in the insured s country of residence. In Schengen member states, entitlement to minimum coverage is limited in accordance with the Swiss Federal Office for Migration s directive on the granting of visas. 2 If inflated charges are billed, Sanitas may define benefits in line with customary local rates. 3 If costs are not itemized, Sanitas will break them down at its own discretion. 5 Definitions 1 Illness is defined as the impairment of one s physical, mental, or psychological health that is not the consequence of an accident and which requires medical attention or prevents the insured person from working. 2 An accident is defined as the sudden, unintentional, harmful influence of an exceptional external force on the human body, resulting in the impairment of one s physical, mental, or psychological health, or death. Occupational illnesses and accident-like physical injuries are deemed to be equivalent to an accident. The provisions of the Accident Insurance Act (UVG/ LAA) apply. 3 Acute hospitals are defined as treatment facilities and clinics that are managed and monitored by physicians and only admit persons suffering from acute illnesses or accidents. For the purposes hereof, acute hospitals also include maternity, psychiatric and rehabilitation facilities. 4 The country of residence is defined as the insured person s usual place of residence. 6 Geographical scope of coverage Coverage is valid in Switzerland and in Schengen member states (apart from the insured s country of residence). Insured benefits 7 Outpatient care The insurance covers the costs of outpatient treatment by doctors and medically prescribed outpatient treatment. 8 Hospital care The insurance covers the costs of accommodation, nursing care and treatment in the insured ward of an acute hospital facility as defined in Section 5(3) above provided that acute hospitalisation is necessary from a medical point of view and repatriation is not possible or appropriate for medical reasons. 9 Costs of transport, search and rescue 1 The insurance will pay up to a total of CHF 50,000 for emergency transport to the nearest doctor or to the nearest acute hospital facility suitable for the requisite treatment, and for medically necessary transfers. 2 The insurance will pay up to a total of CHF 20,000 for search and rescue actions in the event of an acute illness or accident. 10 Sanitas Assistance 1 Sanitas Assistance is a service offered by the global emergency assistance organisation Europ Assistance on behalf of Sanitas. The service includes care, advice and the organisation of transport and treatment, and the assumption of costs as specified in Section 10 (2) below. 2 In the event of acute illness or accident suffered by the insured person, Sanitas Assistance will provide the following benefits: Advance money to cover the costs of inpatient treatment. Organise and pay for the repatriation of the insured person and an accompanying person to their country of residence, provided that repatriation is medically possible and appropriate. Organise and pay for someone to accompany the children (under age 16) of the insured person in cases where an insured event prevents the insured person or another accompanying person from looking after them. Organise and pay for travel and hotel accommodation (10 nights accommodation at a maximum of CHF 200 per night) for a visitor designated by the insured person or his or her family if it is not possible, for medical reasons, to repatriate the insured person to his or her country of residence within 10 days of the commencement of inpatient treatment. Organise and pay for the repatriation of the body of a deceased insured person (including CHF 800 for a coffin) and repatriation of accompanying family members, provided these family members are also covered by Sanitas Assistance. 3 Insured costs as per Section 10 (2) above will not be paid unless the corresponding measures were initiated or approved in advance by Sanitas Assistance. 4 Neither Sanitas nor Europ Assistance may be held liable for any consequential damages if it is not possible to provide insured benefits, or if there are delays in providing insured benefits, as the result of events over which Sanitas and Europ Assistance have no control (e.g. war or warlike activities, political unrest, strikes, natural disasters or restrictions imposed by government authorities). 11 Coverage in Schengen member states 1 In Schengen member states, the coverage laid down in 7 to 10 of the present provisions is limited to the minimum coverage specified in the Swiss Federal Office for Migration s directives on the granting of visas. 2 If confirmation of insurance is required to apply for a visa, it can be requested by phoning or ing info@sanitas.com, specifying the insured s last and first name and date of birth, and the policy number printed on the receipt. Restrictions to insurance coverage 12 Benefit exclusions No benefits will be paid for the following: Contributions to costs and benefit reductions under other insurance policies Medical conditions and consequences of an accident existing prior to the effective date of the contract Treatments and measures that are not effective, expedient or economical under the terms of the Health Insurance Act (KVG/LAMal), whereby effectiveness must be scientifically proven Dental treatment Measures imposed by a judicial or administrative authority The consequences of the abuse of narcotics or addictive substances (e.g. alcohol, drugs and medications) The consequences of racing and training runs with motor vehicles and motor boats on racing and training courses, and participation in rallies and similar races involving motor vehicles The consequences of conduct where the insured person seriously provoked others The consequences of unrest, terrorist acts, crimes or offenses of all types, whether committed or attempted, and the measures taken against them, unless the insured person can prove that he or she did not actively participate on the side of the perpetrators or incite them 13 Curtailment or refusal of benefits 1 Benefits will be curtailed, and in particularly serious cases not disbursed at all, in the case of claims resulting from risky activities. Risky activities are defined as acts through which

4 the insured person exposes him- or herself to exceptional danger without taking or being able to take precautions to reduce the risk to a reasonable level. However, action taken to rescue persons is insured even if this action can be viewed as a risky activity in itself. 2 Sanitas waives its right to curtail insurance benefits in the event of gross negligence. However, insured persons are not entitled to compensation for the curtailment of benefits from other insurance companies. 14 Multiple insurance coverage If the insured person is insured with more than one insurance company, the total insured costs are only compensated once. In such cases Sanitas pays benefits only in proportion to its insured benefit s share of the total coverage. 15 Third-party benefits 1 The insured person must inform Sanitas without delay of any benefits provided by third parties as well as of any agreements regarding lump-sum settlements if Sanitas is liable to pay benefits for the same insurance claim. 2 If Sanitas pays benefits on behalf of a third party, the insured person must assign his or her claims to Sanitas in the amount of the benefits Sanitas is obligated to pay. 3 Agreements between the insured person and third parties are not binding upon Sanitas. Obligations and establishment of claims 16 General obligations The insured person is obligated to comply with the instructions of doctors or other service providers. 17 Notification of inpatient treatment Sanitas Assistance must be notified of admission to acute hospital immediately. If a commitment to provide coverage is required, Sanitas must be notified two weeks before admission. 18 Establishment of claims 1 When claims are filed for benefits, detailed original invoices and documents, and any other requested documentation, must be submitted to Sanitas. 2 The entitlement to claim benefits expires two years upon the occurrence of the event giving rise to the claim. 3 If benefits are disbursed by another insurer, copies of the invoices and detailed statements from these insurers must be submitted to Sanitas. 4 The accident report form must be submitted to Sanitas when accident benefits are claimed. 19 Violation of obligations If the insured person violates his obligations toward Sanitas in the event of a claim, benefits may be curtailed or refused altogether. Commencement and end of insurance coverage 20 Taking out coverage 1 Insurance coverage is taken out through payment of the relevant premium. If the premium is paid at a post office, the date of the post office stamp shall apply. If the premium payment is transferred from a bank or postal account, the date on which the amount is debited from the account of the person paying the premium shall apply. 2 Premiums are calculated on a sliding scale according to the insured person s age in the calendar year in which coverage commences. 3 If the premium paid does not correspond to the actual age of the insured person or the term of insurance applied for, the insured benefits may be reduced in proportion to the difference between the premium paid and the premium owed. 21 Commencement of coverage Coverage commences at the moment the insured person enters Switzerland or the Schengen area, but no earlier than the date on the remittance slip (commencement of insurance), provided that Insurance was taken out before the insured entered Switzerland or the Schengen area All the information given on the remittance slip was complete and accurate. 22 Term of coverage Coverage can be taken out on a monthly basis, for a maximum of six months. This maximum term cannot be extended. 23 End of coverage 1 Coverage ends the moment the insured leaves Switzerland or the Schengen area, but no later than on the last day of the agreed term of coverage. 2 If, owing to the occurrence of an insured event (illness or accident) during the term of coverage, it is not possible for the insured person to return to their country of residence for medical reasons, coverage will be extended by a maximum of 30 days beyond the agreed term. This also applies to accompanying persons, provided they are also covered by Sanitas Assistance. Miscellaneous provisions 24 Data collection Obtaining information Insured persons authorise Sanitas to capture all data electronically and, in the event of a claim, to obtain all the information necessary to settle the claim. 25 Payment of benefits 1 Sanitas will transfer benefit payments to the insured person s bank or postal account. If other forms of payment are requested, Sanitas may charge a fee to cover the added expense involved. In order to enable benefit payments to be transferred, the necessary payment details must be supplied to Sanitas when the insured person first files the claim. 2 Sanitas may deduct monies owed by the insured person from the benefits disbursed. 26 Place of performance and venue 1 The place of performance for obligations under this contract is Switzerland, performance to be rendered in Swiss currency. 2 This contractual relationship shall be governed and interpreted exclusively in accordance with the laws of Switzerland. The courts of Zurich, Switzerland, shall have exclusive jurisdiction with regard to any and all actions brought against Sanitas. You ll find more information about Sanitas and our products at en

5 Empfangsschein / Récépissé / Ricevuta Einzahlung Giro Versement Virement Versamento Girata This certificate of receipt together with the postmark or bank confirmation of remittance constitutes the insurance certificate. Insured persons Date of birth (D-M-Y) Coverage G SP P Your policy no. G Einzahlung für / Versement pour / Versamento per Sanitas Krankenversicherung Hauptsitz 8021 Zürich Konto/Compte/Conto Konto/Compte/Conto Fr. c. Fr. c Commencement of insurance Einzahlung für / Versement pour / Versamento per Sanitas Krankenversicherung Hauptsitz 8021 Zürich Term of insurance coverage (months) Giro aus Konto Virement du compte Girata dal conto Broker or agent Company Policy no. G Einbezahlt von / Versé par / Versato da SWK Einbezahlt von / Versé par / Versato da 202 Die Annahmestelle L office de dépôt L ufficio d accettazione > >