AIG Europe Limited Policy Number: All safety, fire and security officers of the Insured normally resident in the United Kingdom

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1 AIG Europe Limited Lifeline Plus Group Personal Accident & Travel Policy Policy Schedule (renewal) AHG0278 [Heath Lambert Lifeline Plus Policy Wording 1206] DEC12 AIG Europe Limited Policy Number: Insured: Address: Royal Holloway, University of London Egham Hill Egham Surrey TW20 0EX United Kingdom Broker: Gallagher Heath Code: DR6496 Business Description: College of Higher Education and all associated, ancillary and incidental activities associated with being a University Period of Insurance : And for any subsequent Premium: 12, From: 01/08/2013 period for which a premium Standard IPT: To: 31/07/2014 is paid and accepted. Higher IPT: 0.00 Renewal Date: 01/08/2014 Other Tax: 0.00 Total Payable: 13, Any One Accident Limit Aircraft Accumulation Limit Non Scheduled Aircraft Accumulation Limit A 25,000, Date Produced: 17 July ,000, ,000, All safety, fire and security officers of the Insured normally resident in the United Kingdom OP2 - Occupational Related Cover 1 Accidental Death 50, Loss of one eye or one limb 50, a Loss of both eyes or two or more limbs, or loss of one eye and one limb 50, b Loss of speech 50, c(i) Loss of hearing in both ears 50, a Permanent Total Disablement 50, Temporary Total Disablement 6 Temporary Partial Disablement Deferment Period Benefit Period Nil B Occupants of vehicles owned by the Insured OP7 - Motor Vehicle Travel 1 Accidental Death 50, Loss of one eye or one limb 50, a Loss of both eyes or two or more limbs, or loss of one eye and one limb 50, b Loss of speech 50, c(i) Loss of hearing in both ears 50, a Permanent Total Disablement 50, Temporary Total Disablement

2 6 Temporary Partial Disablement Deferment Period Benefit Period Nil C Any Employee of the Insured in the process of transferring money on behalf of the Insured OP6 - Assault 1 Accidental Death 50, Loss of one eye or one limb 50, a Loss of both eyes or two or more limbs, or loss of one eye and one limb 50, b Loss of speech 50, c(i) Loss of hearing in both ears 50, a Permanent Total Disablement 50, Temporary Total Disablement 6 Temporary Partial Disablement Deferment Period Benefit Period Nil D All Employees and Students of the Insured normally resident in the United Kingdom, including Contractors whilst working for and on behalf of the Insured Any trip made primarily for Business purposes, including Incidental Holiday travel. 1 Accidental Death 10, Loss of one eye or one limb 10, a Loss of both eyes or two or more limbs, or loss of one eye and one limb 10, b Loss of speech 10, c(i) Loss of hearing in both ears 10, a Permanent Total Disablement 10, Temporary Total Disablement 6 Temporary Partial Disablement E All Employees and Students of the Insured normally resident in the United Kingdom who are seconded to an overseas location 24 hours whilst in Country of Secondment 1 Accidental Death 10, Loss of one eye or one limb 10, a Loss of both eyes or two or more limbs, or loss of one eye and one limb 10, b Loss of speech 10, c(i) Loss of hearing in both ears 10, a Permanent Total Disablement 10, Temporary Total Disablement 50.00

3 6 Temporary Partial Disablement Travel Operative Time: Section B: F All Employees and Students of the Insured normally resident in the United Kingdom, including Contractors whilst working for and on behalf of the Insured OT1 - Business Travel Travel 1.1 Medical and emergency expenses Unlimited 1.2 Rescue expenses Unlimited 1.3 Assistance Unlimited 1.4 Legal expenses 50, Personal liability 5,000,000 2 Personal property 10,000 3 Money 5, Cancellation, curtailment, travel disruption, replacement and travel delay 10, Cancellation, curtailment, travel disruption, alteration and travel delay from 10,000 5 Hijack 25,000 6 Kidnap, Kidnap for Ransom or Hostage (aggregate limit) 250,000 7 Political Evacuation (aggregate limit) 50,000 Travel Operative Time: Section B: G All Employees and Students of the Insured who are seconded to an overseas location including Mr Spano's and Mr George's Spouse and Children 24 Hours whilst in Country of Secondment Travel 1.1 Medical and emergency expenses Unlimited 1.2 Rescue expenses Unlimited 1.3 Assistance Unlimited 1.4 Legal expenses 50, Personal liability 5,000,000 2 Personal property 10,000 3 Money 5, Cancellation, curtailment, travel disruption, replacement and travel delay 10, Cancellation, curtailment, travel disruption, alteration and travel delay from 10,000 5 Hijack 25,000 6 Kidnap, Kidnap for Ransom or Hostage (aggregate limit) 250,000 7 Political Evacuation (aggregate limit) 50,000 Travel Operative Time: Section B: H Spouse/Partner and Children accompanying a Director or Principal or Employee of the Insured OT1 - Business Travel Travel 1.1 Medical and emergency expenses Unlimited 1.2 Rescue expenses Unlimited 1.3 Assistance Unlimited 1.4 Legal expenses 50, Personal liability 5,000,000 2 Personal property 10,000 3 Money 5, Cancellation, curtailment, travel disruption, replacement and travel delay 10, Cancellation, curtailment, travel disruption, alteration and travel delay from 10,000 5 Hijack 25,000 6 Kidnap, Kidnap for Ransom or Hostage (aggregate limit) 250,000

4 7 Political Evacuation (aggregate limit) 50,000 Section C: Crisis Containment Management The Insured Period of Insurance shown in the Schedule 1 Crisis Containment Management (aggregate limit) 50,000 Section D: Item Healthline Plus Any person shown on the Schedule as being an Insured Person or their Spouse/Partner or their Child or Children Period of Insurance shown in the Schedule 1 Medical second opinion; 24 hours, 7 days a week remote nursing; general health information

5 Memoranda Forming Part of Policy Date Produced : 17 July 2013 A&HGPA2 Special It is hereby noted and agreed that reference 'AHG0278 [Heath Lambert Lifeline Plus Policy Wording 1206] DEC11' shown on the policy schedule is replaced with reference 'AHSU0820 LUPC PAT Policy Wording 0413 APR13'. A&HGPANSOT12 OP6 - Assault At any time where accidental bodily injury is suffered by an Insured Person and is the direct result of an unprovoked malicious assault by another person. A&HGPANSOT13 OP7 - Motor Vehicle Travel While an Insured Person is getting in and out of, travelling in, loading or unloading, carrying out emergency roadside repairs to and re-fuelling a motor vehicle owned, hired by or leased to the Insured, or owned by an Insured Person where the travel is at the expense of the Insured, or any vehicle temporarily replacing it. A&HGPA91 Temporary Total Disablement & Temporary Partial Disablement Policy Limits Temporary Total Disablement It is hereby noted and agreed that any amount payable under Section A Personal Accident, Item 5 Temporary Total Disablement shall not exceed the sum specified in the Schedule or an amount equal to 100% of the Insured Persons Gross Weekly Wage, whichever is the lesser. Temporary Partial Disablement It is hereby noted and agreed that any amount payable under Section A Personal Accident, Item 6 Temporary Partial Disablement shall not exceed the sum specified in the Schedule or an amount equal to 50% of the Insured Persons Gross Weekly Wage, whichever is the lesser. A&HGPA104 - Sections B4.1 and B4.2 Section B4 of the policy is deleted, and is replaced with the following new Sections B4.1 and B4.2: Section B4.1: Cancellation, Curtailment, Travel Disruption, Replacement & Travel Delay The Company will indemnify the Insured or an Insured Person up to 10,000 or the Sum Insured on the Schedule if a Trip during the Operative Time has to be cancelled, cut short, altered or delayed as a direct result of any cause outside the Insured s or an Insured Person s control, unless that cause is a, in which case the terms of the cover under this Section B4.1 will not apply, and the terms of the cover under Section B4.2 below will apply. Where the Trip has to be cancelled prior to departure, the Company will pay for all deposits and advance payments in respect of transport and accommodation costs. Where the Trip has to be cut short following departure, the Company will pay for expenses which a. have been paid or will be payable, or b. become payable under the contract, or c. cannot be recovered elsewhere. When pre-booked travel arrangements in connection with a Trip have to be altered following departure, the Company will reimburse the Insured or an Insured Person for the additional costs of travel and accommodation which are not recoverable elsewhere and are necessarily and reasonably incurred to enable an Insured Person to continue the Trip or return to the United Kingdom or Permanent Country of Residence.

6 Replacement Where a Trip has to be cut short following departure, as a result of any cause outside the Insured s or an Insured Person s control the Company will pay for the additional costs necessarily incurred for travel and accommodation up to the Sum Insured shown in the Schedule less any amount recoverable elsewhere: a. to return an Insured Person to the United Kingdom or Permanent Country of Residence b. to send a replacement to assume the duties of the original Insured Person. Travel Delay If the departure of the ship, aircraft or train on which an Insured Person is booked to travel in order to get to their planned destination at the commencement or completion of a Trip is delayed due to strike, industrial action, adverse weather conditions or mechanical breakdown, the Company will pay 50 per hour in excess of 4 hours delay up to a maximum of 500 to the Insured or an Insured Person. Definition applicable to Section B4.1 Volcanic eruption, flood, tsunami, earthquake, landslide, hurricane, tornado, wildfire. Extension applicable to Section B4.1 If a Director or Employee of the Insured resigns or has their employment terminated more than 31 days before a pre-booked Trip, the Company will reimburse the Insured for all deposits and advance payments in respect of transport and accommodation costs incurred due to the cancellation of the Trip, less any expenses recoverable elsewhere. Exclusions applicable to Section B4.1 The Company will not pay any claim if the Trip is cancelled, cut short, altered or delayed as the result of: 1. a, 2. an Insured Person deciding not to travel or, if on a Trip, deciding not to continue, 3. redundancy or resignation of an Insured Person or the termination of an Insured Person s contract of employment within 31 days of a pre-booked Trip, 4. redundancy, resignation or the termination of employment of an Insured Person, once a trip has started, 5. the Insured or an Insured Person s financial circumstances, 6. the default of any provider (or their agent) of transport or accommodation, acting for the Insured or an Insured Person,

7 7. regulations made by any Public Authority or Government or person with authority under legislation or licence to make regulations, 8. strike, labour dispute, mechanical breakdown or failure of the means of transport (other than disruption of road and rail services by avalanche, snow or water) except where the departure of a ship, aircraft or train on which an Insured Person is booked to travel is delayed by at least 24 hours unless the delay is due to a strike or industrial action which existed or the possibility of which existed and for which advance warning had been given before the date on which the Trip was booked, 9. an Insured Person travelling or intending to travel against the advice of a Medical Practitioner or for the purpose of obtaining treatment, 10. an Insured Person failing to check in on time unless the failure was itself due to strike or industrial action, or 11. a delay caused by a ship, aircraft or train being withdrawn from service temporarily or permanently on the orders or recommendation of any Port Authority, Rail Authority or the Civil Aviation Authority or any similar body in the country. Section B4.2: Cancellation, Curtailment, Travel Disruption, Alteration & Travel Delay from Natural Catastrophe The Company will indemnify the Insured or an Insured Person up to 10,000 or the Sum Insured on the Schedule if a Trip during the Operative Time has to be cancelled, cut short, altered or is delayed as a direct result of a, subject to the conditions and exclusions set out below. Where the Trip has to be cancelled prior to departure as a result of a the Company will pay the Insured or an Insured Person for all deposits and advance payments in respect of transport and accommodation costs which are not recoverable elsewhere. Where the Trip has to be cut short following departure as a result of a, the Company will pay for expenses which a. have been paid or will be payable, or b. become payable under the contract, or c. cannot be recovered elsewhere. When pre-booked travel arrangements in connection with a Trip have to be altered as a result of a Natural Catastrophe the Company will reimburse the Insured or an Insured Person for any additional costs of travel and accommodation which are not recoverable elsewhere and are necessarily and reasonably incurred to enable an Insured Person to continue the Trip or return to the United Kingdom or Permanent Country of Residence. Travel Delay If the departure of the ship, aircraft or train on which an Insured Person is booked to travel in order to get to their planned destination at the commencement or completion of a Trip is delayed due to, the Company will pay 50 per hour in excess of 4 hours delay up to a maximum of 500 to the Insured or Insured Person. Extension applicable to Section B4.2 Any costs in respect of the rental of a motor vehicle and/or chartering of a non-scheduled ship and/or aircraft will be covered up to the Sum Insured stated in the Schedule, provided the Insured or an Insured Person bears 50% of any amount in excess of the first 500 per Insured Person. Definitions applicable to Section B4.2 Volcanic eruption, flood, tsunami, earthquake, landslide, hurricane, tornado, wildfire.

8 Valid Claim Any claim under this policy in respect of which, according to the terms of the policy, the Insured or an Insured Person is entitled to be indemnified by the Company. Exclusions applicable to Section B If a has occurred during the 30 days immediately prior to the Insured or an Insured Person pre-booking travel arrangements in connection with a Trip, there will be no cover if the Trip is cancelled, altered or delayed during the 14 days immediately following the date on which the Trip is booked as a result of that or a related. 2. The Company will not pay any claim made under Section B4.2 if the Insured or an Insured Person makes a Valid Claim under Section B4.1 which originates from the same loss. 3. The Company will not pay any claim under Section B4.2 if the Trip is cancelled, cut short, altered or delayed in the event of a as the result of: a. an Insured Person deciding not to travel or, if on a Trip, deciding not to continue, b. redundancy or resignation of an Insured Person or the termination of an Insured Person s contract of employment within 31 days of a pre-booked Trip, c. redundancy, resignation or the termination of employment of an Insured Person, once a trip has started, d. the Insured or an Insured Person s financial circumstances, e. the default of any provider (or their agent) of transport or accommodation, acting for the Insured or an Insured Person, f. strike, labour dispute, mechanical breakdown or failure of the means of transport (other than disruption of road and rail services by except where the departure of a ship, aircraft or train on which an Insured Person is booked to travel is delayed by at least 24 hours unless the delay is due to a strike or industrial action which existed or the possibility of which existed and for which advance warning had been given before the date on which the Trip was booked, g. an Insured Person travelling or intending to travel against the advice of a Medical Practitioner or for the purpose of obtaining treatment, or h. an Insured Person failing to check in on time unless the failure was itself due to strike or industrial action

London University Purchasing Consortium (LUPC) Policy Summary

London University Purchasing Consortium (LUPC) Policy Summary The purpose of this Policy Summary is to help you understand the insurance by setting out the significant features, benefits, limitations and