Please read the Travel Insurance Terms and Conditions as well as the Disability Tables , Information on the insurance product , Information to the contractor , Information on data processing .

Conditions of travel insurance

In application from 1.1.2023.

INTRODUCTORY PROVISIONS

The travel insurance conditions are an integral part of the travel insurance contract concluded by the policyholder with UNIQA osiguranje dd

Article 1. Concepts
Certain terms in these Terms have the following meaning:
Insurer – UNIQA osiguranje dd, Zagreb, Planinska 13 A, OIB: 75665455333;
Policyholder – a natural or legal person who has concluded a travel insurance contract with the insurer;
Insured – natural person to whom the insurance applies;
Insurance beneficiary – the person to whom the insurance premium or benefit is paid. In the event of the insured’s death, the insurance beneficiaries are the legal heirs; in case of trip cancellation, the user is the person who paid for the trip; in case of disability and luggage insurance, the insurance beneficiary is the insured. If a minor is the beneficiary of the insurance, the insurer will transfer the payment of the insured amount or compensation to the account of the minor child-beneficiary of the insurance;
In the case of liability insurance, the insurer is liable for damage caused by the insured event only if the injured third party demands compensation;
Third party – a person who is not the subject of an insurance contract, that is, a person whose liability is not covered by insurance;
Amateur athletes – persons who do not play sports as their main occupation, although they are registered members of the sports organization in which they train and compete. Any fees they receive do not constitute their regular income;
Professional athletes – people who practice sports as their primary occupation and receive regular income for the same;
Recreationists – people who play sports occasionally and are not registered members of a sports organization;
Insurance amount – the maximum monetary amount to which the insurer is obligated for one harmful event, which must be indicated on the policy for each insured risk;
Insurance premium – the monetary amount that the insurer pays per insured event;
Premium – the amount paid for insurance based on the insurance contract;
Insured case – an event caused by the insured risk. The risk covered by the insurance (insured risk) must be future, uncertain and independent of the sole will of the policyholder or the insured;
Policy – document on the concluded insurance contract;
Insurance contract – consists of: offer, if the insurance contract is concluded on the basis of a written offer, the policy, these Terms, special conditions or clauses;
UNIQA osiguranje dd assistance service – an assistance company that concluded a business cooperation agreement with the insurer, on the basis of which services are provided to the Insured abroad in accordance with the coverage of the contracted insurance policies.
The Croatian Agency for the Supervision of Financial Services, headquartered in Zagreb, is responsible for the supervision of insurers.

Package deal

1. A combination of at least two different types of travel services for the purposes of the same trip or holiday if:
   a) these services are combined by one trader, among other things at the request or in accordance with the passenger’s choice, before a single contract on all services has been concluded; or

b) regardless of whether separate contracts have been concluded with individual travel service providers, if these services:
and. they buy at one point of sale and if they were selected before the passenger agreed to pay;
ii. offer, sell or charge at a flat or total price;
iii. advertise or sell under the name “package deal” or under a similar name;
iv. combine after concluding a contract whereby the trader gives the traveler the right to choose between different types of travel services; or
v. buy from individual merchants through linked online booking procedures when the merchant with whom the first contract was concluded provides the passenger’s name, payment information and email address to another merchant or merchants, and the contract with the other merchant or merchants is concluded no later than 24 hours after confirmation booking the first travel service.

2. The combination of travel services when at most one type of travel service is combined with one or more tourist services is not a package deal if the last mentioned services:
   a) they do not constitute a significant part of the value of the combination, were not advertised as an essential feature of the combination or in any other way represent an essential feature of the combination; or
   b) were selected and purchased only after the execution of the travel service began;

Extraordinary circumstances are circumstances that could not have been avoided, a situation beyond the control of the insured that refers to such a situation and the consequences of which could not have been avoided even if all reasonable measures had been taken.

COMMON GENERAL PROVISIONS
Article 2.
Who can be insured

1. Pursuant to the provisions of these Terms and Conditions, the following can be ensured:
   a) Croatian citizens and foreigners who have regulated temporary or permanent residence in the Republic of Croatia;
   b) Foreigners staying as tourists outside the country of residence and who do not perform part-time activities during their stay in the Republic of Croatia. In the specific case, the insurance coverage is valid exclusively on the territory of the Republic of Croatia;
2. Insurance can be taken out for the persons listed in paragraph 1. of this article, regardless of the state of health and ability to work, except for persons with severe mental or physical disorders and diseases of the nervous system, and persons deprived of business capacity.
3. Persons with a maximum age of 80 can be insured.
4. Pursuant to the provisions of these Terms and Conditions, Croatian citizens who are working abroad can also be insured if they do not have mandatory health insurance in the foreign country where they work. Insurance can only be contracted as a short-term with a supplement in accordance with the Table of occupations with increased risk from the Travel Insurance Price List.

Article 3.
Scope of insurance

1. The insurance is valid in all countries of the world and in the Republic of Croatia, unless otherwise stated
2. Unlike paragraph 1. of this article, insurance coverage for private liability insurance is limited to the countries of the European continent. With voluntary health insurance, insurance coverage is excluded in the Republic of Croatia for Croatian citizens and foreigners who have a regulated temporary or permanent residence in the Republic of Croatia and in the country where the insured has mandatory health insurance. Insurance coverage for foreigners who are tourists staying outside the country of residence and who do not perform part-time activities during their stay in the Republic of Croatia is valid exclusively on the territory of the Republic of Croatia.

Article 4.
Insurance rights

1. According to these Terms, it is possible to contract:
   – voluntary health insurance of persons during travel and stay abroad and in the Republic of Croatia for foreigners;
   – insurance against the consequences of an accident during the trip;
   – luggage insurance;
   – cancellation or trip interruption insurance, business trip cancellation insurance;
   – flight delay insurance;
   – private liability insurance.
   2. The contracted insurance rights must be specified in the policy and the insurance premium must be paid for them.
   3. If an additional premium is not paid for a certain increased risk in accordance with the insurer’s price list, the insurance rights are reduced in the ratio between the paid premium and the premium that the policyholder should have paid.
   4. If a group of insured persons is insured by one policy, the maximum amount of the insurer’s liability per one adverse event in total for all insured persons listed on one insurance policy is HRK 2,000,000.00* / EUR 265,445.62.

Article 5.
Conclusion of the insurance contract and its duration

1. Travel cancellation or interruption insurance and official travel cancellation insurance is usually taken out when arranging a trip or buying an airline ticket, and it can be arranged no later than 7 days from the date of purchase or payment of the travel ticket (including air ticket), paid accommodation or accommodation reservation. If the trip or travel ticket is paid in installments, the day of payment is the day of the first payment. The risk of cancellation or interruption of the trip cannot be contracted if there are less than 14 days left until the start of the trip.
2. Flight delay insurance is taken out when, that is, on the day of purchasing the air ticket.
3. The insurance contract is concluded when the contractor and the insured sign the insurance policy, and the insurance obligation begins when the insurance premium is paid in full.
4. If the insurance contract is concluded based on a written offer, the policyholder’s signature on the offer is considered a signature on the policy.
5. The insurance can be contracted as a short-term insurance with a duration of 1 to 364 days or as an annual insurance.
6. In the event that annual insurance is contracted, the duration of the insurance is only one year, within which the insured is entitled to insurance coverage for the contracted insurance rights for an unlimited number of trips abroad. In any case, insurance coverage is limited to 5 weeks (35 days) per trip.
7. The annual insurance is extended from year to year if none of the contracting parties cancels it and on the condition that the premium has been paid by the beginning of the next insurance year. Each contracting party may cancel the annual travel insurance contract by notifying the other contracting party in writing no later than 30 days before the end of the current insurance year.
8. In any case, the insurance ends if the death of the insured or 100% permanent disability occurs, and if the insured becomes mentally ill or completely deprived of business capacity.

Article 6.
Beginning and end of insurance

1. Voluntary health insurance for foreigners during travel and stay abroad and in the Republic of Croatia

Insurance coverage begins at 00:00 on the day specified in the policy as the start of insurance, but not before the insured crosses the state border on the way abroad (the border of the state of registered residence / permanent residence), provided that the premium has been paid by then insurance, and ends after the insured person crosses the state border on the way back to the country of registered residence / permanent residence, and at the latest at 24:00 on the day specified in the policy as the day the insurance expires.
In the case of voluntary health insurance for persons during travel and stay abroad and in the Republic of Croatia for foreigners, costs incurred after the agreed insurance period are covered within the agreed insurance amount for a maximum period of 4 (four) weeks after the end of the agreed insurance period, but only if it is proven that return from abroad (the Republic of Croatia for foreigners) is not possible due to health reasons.

2. Accident insurance, luggage insurance and personal liability insurance

Insurance coverage begins at 00:00 on the day specified in the policy as the beginning of the insurance, but not before the trip begins (if the insurance premium has been paid in full by then) and ends after the trip ends, and no later than 24:00 hour of the day specified in the policy as the day the insurance expires.

3. Travel cancellation or trip interruption insurance, business trip cancellation insurance and flight delay insurance

Insurance coverage begins at 12:00 a.m. on the day indicated in the policy as the date of conclusion of the insurance contract (if the insurance premium has been paid in full by then), and ends at 12:00 a.m. on the day on which half of the insured person’s scheduled trip expires . In case of insurance for cancellation or interruption of travel in a private arrangement and in case of insurance for cancellation of an official trip, the insurer’s obligation to provide insurance begins at 24:00 hours of the day on which the train ticket was purchased, i.e. hotel or similar reservation was paid, and ends at 24:00 hours of the day in which 50% of the planned duration of the insured’s trip expires, if the insurance premium has been paid in full by then.
In the event of a flight delay, insurance coverage begins at midnight on the day the airline ticket was purchased, and ends at midnight on the day specified in the policy as the insurance expiration date, if the insurance premium has been paid in full by then.

4. If the passenger, in the case of extraordinary circumstances that could not be avoided, which occurred at the destination or in its immediate vicinity and which significantly affect the execution of the package arrangement or which significantly affect the transportation of the passenger to the destination, exercises his right to terminate the package arrangement travel contract before the start of the trip, the insurance contract is terminated with a refund of the premium. In this case, the full refund of all payments for the package deal will be made by the travel agency that received them, and the insured has no right to additional compensation.

I. GENERAL PROVISIONS

Article 7.
Registration of the insured event and evidence to be submitted to the insurer

1. The insured case of travel health insurance is reported by phone to the UNIQA insurance help desk, and for other types of coverage by applying at uniqa.hr, or by writing to the e-mail pravkaja.stete@uniqa.hr or the address of the insurer’s headquarters in Zagreb.
2. The insurer may request a translation of the bill and accompanying medical documentation. Translation costs will be deducted from the amount of damages.
3. The insurer is entitled, at its own discretion, to request all relevant evidence related to each individual insured case, which, according to the circumstances of the individual case, are necessary to determine the insurer’s liability and its amount.

Article 8 .
Payment of insurance premium

1. The insurance premium must be paid before the start of the trip in one time, unless otherwise agreed.
2. If the premium is paid through a post office, bank or other payment institution, it will be considered that the premium has been paid on the day such institution receives the premium payment order.
3. If the premium is paid in installments, in the event of an insured event, all unpaid installments of the premium are due and the insurer is authorized to deduct them from the amount of compensation.

Article 9.
Insurance payment

1. When the insured event occurs, the insurer is obliged to pay the insurance premium specified in the contract within the agreed term, which cannot be longer than fourteen days, counting from the time the insurer received notification that the insured event occurred.
2. But if it takes a certain amount of time to determine the existence of the insurer’s liability or its amount, the insurer is obliged to pay the insurance premium specified in the contract within thirty days from the date of receipt of the claim for compensation or inform him within the same period that his claim is unfounded.
3. If the amount of the insurer’s liability is not determined within the deadlines specified in paragraph i 2. of this article, the insurer is obliged to pay the amount of the undisputed part of its obligation in the name of the advance without delay.
4. If the insured amount is contracted in a foreign currency, the insurance premium is paid in EUR equivalent at the middle exchange rate of the CNB.
5. If the costs are covered by other voluntary or compulsory insurance, then benefits are initially paid from that insurance.
6. If the trip was paid for on credit (in installments), the insurer will pay compensation for trip cancellation according to the terms and amounts of the actually paid installment or individual meal.
7. Insureds authorize the insurer to collect all necessary evidence and data from third parties, i.e. providers of medical and other services (if necessary), necessary to determine the insurer’s liability. Insured persons thereby release third parties from their obligations of silence.
8. At the request of the insurer, the insured undertakes to undergo a medical examination by a doctor chosen by the insurer. In that case, the cost is borne by the insurer.

Article 10.
Exclusion of liability of the insurer
Unless otherwise agreed, the insurer is not obliged to compensate:

• damages caused by war, civil war, revolution, insurrection, riots arising from such events, weapons of war, captures, seizures, restrictions or detentions and the consequences of these events or attempts to do so by sabotage, detonation of explosives, if the person doing it acts maliciously or due to political motives, civil unrest, violence or other similar events;
• damages caused by confiscation, requisition or other similar measures implemented or intended to be implemented by a government or other similar organization that is fighting for power or that has power;
• damages caused due to interruption, suspension of work or strike of the insured, as well as due to violation of patent and license rights;
• damages due to a fine (fine) that the insured is obliged to pay;
• damages that are directly or indirectly caused by an act of terrorism or are related to it. In terms of these Terms and Conditions, a terrorist act is any act of use of force and/or threat of any kind committed by individuals or group(s) of people in order to achieve political, religious, ethnic, ideological or similar goals that cause fear or panic in the population or part of the population , including (but not necessarily) the intent to thereby influence government and/or state institutions, regardless of whether such person(s) or group(s) are acting alone or on behalf of or in connection with any organization by the government(s) or not;
• damages that are directly or indirectly, in whole or in part, caused or incurred by:
  – due to the action or due to the presence of natural and elemental disasters;
  – by ionizing radiation or pollution by radioactive substances from nuclear fuel or waste or pollution due to the burning of nuclear fuel;
  – radioactive, toxic or other dangerous and threatening properties of a nuclear plant, reactor or other nuclear system or nuclear component thereof;
  – due to weapons or devices whose destructive power originates from atomic or nuclear physics and/or fusion or other similar reactions or radioactive substances;
  – due to radioactive, toxic, explosive or any other dangerous properties of radioactive substances.
• damage caused by an earthquake;
• damage that in any way results from or is a consequence of the commission or attempted commission of a criminal offense or misdemeanor, committed or attempted by the policyholder / insured / employee of the insured, as well as damage incurred when escaping after such an act; in such cases, the validity of the insurer’s decision on non-recognition of liability for damage compensation is not relevant whether the said persons have been declared guilty of the criminal offense or misdemeanor charged by a final decision;
• damages resulting from the violation of the right to reputation, good name, honor, dignity, freedom of economic activity, etc.;
• operating aircraft of all types, vessels, motor vehicles and other vehicles without a prescribed official document authorizing the driver to operate and drive that type of aircraft, vessel, motor vehicle and other vehicle; when operating vessels, motor vehicles and other vehicles, the insured must have an appropriate driver’s license (a prescribed official document that authorizes the driver to operate and drive that type and type of aircraft, vessel, motor vehicle and other vehicle). This also applies to vehicles that do not move on public roads.
  It is considered that the insured has an appropriate driver’s license (prescribed official document) when, in order to prepare and take the exam for obtaining an official document, he drives under the direct supervision of an officially authorized professional instructor;
• attempted or committed suicide of the insured;
• an event intentionally caused by the contracting party, the insured or the insurance beneficiary;
• damages caused due to impaired consciousness or due to the effect of alcohol and/or narcotics on the insured, regardless of any liability of a third party for the occurrence of the insured event. It is considered that the insured case was caused by the effects of alcohol if, at the time of occurrence of the insured case, the determined concentration of alcohol in the blood was higher than 0.50 g/kg when driving a vehicle, and in other cases more than 0.80 g/kg. The insured person is considered to be under the influence of alcohol if, after a traffic accident, he refuses to submit to an alcohol test, as well as if he moves away from the scene of the traffic accident before the police arrive, that is, if he did not call the police or inform the nearest police station about the traffic accident, or if he otherwise avoids alcohol testing.

Article 11.
Dispute resolution
1. All persons who derive their legal interest from the insurance contract will primarily try to resolve all their possible disputes with the insurer, which arise from or are related to the insurance contract, in a reasonable manner, in a peaceful procedure with the insurer.
The insured, the policyholder and the beneficiary from the insurance contract can file a complaint about the provision of insurance services or the performance of obligations from the insurance contract due to the actions of the insurance company or the person who performs insurance representation for the insurance company, the decisions of the insurance company in connection with the contract on insurance or the execution of the insurance contract, the actions of the insurance company in relation to the resolution of claims from the insurance contract, within 15 (fifteen) days from the day on which he received the decision against which he is submitting a complaint, i.e. from the day on which he learned about the reason complaints.

The complaint is submitted:
a) orally on the record:
– at the headquarters of UNIQA osiguranje dd

b) by written submission:
– to the address of the headquarters of UNIQA osiguranje dd
– by fax to the number 01 / 6324 250 or
– by e-mail to the address info@uniqa.hr.

The complaint should contain:
a) the name and surname and address of the complainant who is a natural person or his legal representative, that is, the company, headquarters and the name and surname of the responsible person of the complainant who is a legal person,
b) reasons for the complaint and requests of the complainant,
c) evidence that confirms the allegations from the complaint when it is possible to attach them, and may also contain documents that were not considered in the procedure in which the decision was made for which the complaint is being submitted, as well as proposals for the presentation of evidence,
d) the date of filing the complaint and the signature of the complainant or the person representing him,
e) power of attorney for representation, when the complaint is submitted by proxy.

After analyzing and verifying the allegations from the complaint, UNIQA osiguranje dd will respond in writing to the applicant no later than 15 days from the date of receipt of the complaint.
If the complaint is submitted by e-mail or the complainant specifically requests it, the response to the complaint can be sent by e-mail, in compliance with the regulations governing the protection of personal data.
At the request of the complainant, the insurance company will inform the complainant about the received complaint and the progress of the procedure.

2. In the event of a dispute between the policyholder/Insured and the insurer, the jurisdiction of the competent court in Zagreb is agreed.

Article 12.
The contracting parties agree to apply the law of the Republic of Croatia, in accordance with Regulation /EC/ No. 593/2008. of the European Parliament and the Council from 17 June 2008 on the applicable law for contractual obligations (RIM I). The place of execution is UNIQA’s headquarters in Zagreb.

II. SPECIAL PROVISIONS
Chapter A

1. VOLUNTARY HEALTH INSURANCE FOR FOREIGNERS DURING TRAVEL AND STAY ABROAD AND IN THE REPUBLIC OF CROATIA

Article 13.
What is covered by insurance coverage
The insurance cover includes emergency medical assistance that occurred as a result of a sudden illness or accident of the insured during the trip and stay abroad and in the Republic of Croatia for foreigners.
Personal insurance for foreigners during travel and stay abroad and in the Republic of Croatia ensures:

1. Costs of necessary medical treatment and necessary medicines prescribed by the doctor
The insurance cover includes the costs of necessary medical treatment during a trip abroad caused by illness or accident, including the costs of necessary medicines prescribed by a doctor.
Necessary medical treatment is considered to include:
a) outpatient treatment in the place where the insured person resides;
b) clinical treatment in a hospital in the place where the insured is staying or in the nearest convenient one. Treatment with scientifically recognized and clinically tested methods in an institution that is generally recognized as a hospital is recognized;
c) the operation, including all costs related to the operation;
d) radiological diagnostics;
e) laboratory diagnostics

Dental treatment, which serves to relieve acute pain, is included in the insurance coverage, up to a cost of 150 EUR.

2. Costs of medically necessary transportation of the insured to the nearest appropriate hospital or clinic
The insurance cover includes the transport of the insured person who is ill or injured, from the place of the accident, or the place of current residence, to the nearest adequate hospital or clinic. Medically necessary transportation must be recommended by a doctor, or conditioned by the health condition of the insured.

3. Salvage costs
The insurance cover includes rescue costs worldwide except in the country where the insured has regulated mandatory health insurance up to the amount determined by the price list depending on the contracted insurance amount.

The amount of compensation for expenses per one adverse event depends on the contracted amount of voluntary health insurance insurance indicated on the corresponding policy. These costs are covered up to the limit:
a) EUR 3,000 if the insurance amount for voluntary health insurance is EUR 10,000
b) EUR 5,000 if the insurance amount for voluntary health insurance is EUR 30,000
c) EUR 7,300 if the insurance amount for voluntary health insurance is EUR 50,000

4. Costs of medically prescribed transportation of the insured to the country of residence (repatriation)
If the health condition requires repatriation, repatriation of the insured person from the place of residence to the insured person’s place of residence or to a hospital in the domicile country selected by the insurer’s medical staff and accompanied by a medical team, if necessary, is organized. Additional transportation costs for an accompanying person will be covered if the medical staff deems such an escort to be necessary. Only the insurer’s doctors can decide on the advisability and means of repatriation. If the doctors consider the insured’s repatriation possible, and the insured refuses it, the insurer’s services will be immediately suspended, especially regarding the medical or hospital costs of the insured’s future return to the domicile country.
The total listed costs are covered up to a limit of 50% of the amount of travel health insurance registered on the insurance policy.
If the transport of the insured is not organized by the help desk of UNIQA osiguranje dd, costs up to a maximum of EUR 1,800 are reimbursed.

5. Transportation costs in case of death of the insured
The insurance coverage covers the travel costs of standard transportation of the insured’s remains to the insured’s last place of residence.
If the transport of the insured’s remains is not organized by the assistance service of UNIQA osiguranje dd, costs up to a maximum of EUR 1,800 are reimbursed.

Article 14.
What is not covered by insurance coverage
Except for the cases mentioned in Article 10. the insurance does not cover the costs (Article 13, paragraph 1 to 5) caused by:

1. treatment that began before the insurance was concluded;
2. treatment of chronic diseases, their consequences and the consequences of accidents that existed or were known or should have been known at the time of the conclusion of the insurance contract, i.e. the beginning of the insurance, even if they were not treated, as well as for the consequences of diseases that were treated in the last six months before the start of the insurance, except in the case of acute attacks when medical assistance was provided to save the insured’s life or relieve acute pain;
3. treatment, which is the purpose of the trip abroad;
4. by treatment or care that is not a consequence of emergency medical intervention;
5. dental treatment that does not serve to relieve acute pain;
6. termination of pregnancy and examinations during pregnancy and childbirth, except for premature births – at least two months before the due date;
7. artificial insemination or other sterility treatment and contraceptive costs;
8. sexually transmitted diseases, AIDS;
9. cancer treatment, except for costs incurred in connection with taking emergency measures to save the insured’s life or relieve acute pain;
10. cosmetic treatments, cures, rehabilitation (such as: costs incurred in connection with recovery in spas, sanatoriums, convalescent homes or similar institutions) and physical therapy;
11. treatment of mental and depressive illnesses, psychoanalytical or psychotherapeutic treatments, and for any costs related to mental, psychiatric or psychosomatic disorders;
12. thermal treatment, radiotherapy, phototherapy, heliotherapy, aesthetic procedures;
13. preventive vaccination;
14. treatment of diseases and consequences of accidents caused by participation in bets or fights;
15. treatment of diseases and the consequences of accidents that occurred as a result of epidemics, pollution or natural disasters that were known before departure;
16. treatment of diseases and consequences of accidents caused by the use of aircraft, various aircraft, unless the insured is transported by aircraft or aircraft as a passenger;
17. treatment of diseases and consequences of accidents caused by professional or amateur activities: diving, mountaineering, parachuting, motorcycling, motoring or any other motorized vehicle;
18. treatment of the consequences of accidents caused by professional or amateur sports, in particular: ski competitions, ski jumps, bobsled, ski-bob, skeleton, horse riding, etc., at public sports competitions and trainings, unless sports risks have been separately contracted and paid for additionally insurance premiums;
19. treatment or care provided by a physician who is a family member;
20. by procuring prostheses, artificial limbs or equipment.

UNIQA osiguranje dd is not obliged to cover costs above reasonable and usual costs for the same type of medical service in the place where the service is provided.

Article 15.
When the insured event occurs

1. In the event of an insured event, the insured should call the help desk of UNIQA osiguranje d. to the phone number listed on the insurance policy and provide the following information:
   – name and surname;
   – date of birth;
   – policy number;
   – when the trip abroad started and the duration of the trip;
   – the exact place where the insured is at the time of the occurrence of the insured event and the telephone number for return contact;
   – a short description of the event and a short description of the requested.2. If the insured did not comply with the instructions from paragraph 1. of this article, he is obliged within the period established in paragraph 3. of this article to notify the insurer of the occurrence of the insured event.
   3. In any case, the insured is obliged to notify the insurer of the insured event within 3 (three) working days after learning of the occurrence of the insured event and, without delay, and no later than one month after the end of the trip, submit the original all the evidence he has regarding the duration of the trip and the evidence necessary to establish the validity and amount of the obligation, namely:
   – application, policy, evidence of the circumstances of the occurrence of the insured case, original invoices and other evidence of the payment of expenses, discharge letters, opinions and other medical and other documentation issued by doctors or health institutions, depending on the circumstances of each individual insured case.
   – Original invoices issued by the doctor must contain the following information about the insured: name and surname, date of birth, OIB, diagnosis (name of the disease in Latin, and if it is a dental treatment, it is necessary to provide information about the treated tooth and treatment), services of treatment, duration of treatment and confirmation of payment.
   – In the case of medically necessary transportation to the nearest appropriate hospital or clinic, as well as medically prescribed transportation of the insured to the country, the invoices must be supported by a medical report confirming the necessity of the transportation.

Article 16.

1. The help desk of UNIQA osiguranje dd is on duty 24 hours a day, 7 days a week. Calls are taken in Croatian or in other languages ​​that are available.
2. The insurer and the help desk of UNIQA osiguranje dd are not responsible for the delay, reduction or limitation of service provision, as well as the complete impossibility of providing the contracted service in any country in the event of riots, riots, uprisings, strikes, explosions, demonstrations, obstruction of free traffic, sabotage, terrorism, civil or international war, nuclear accidents, consequences of radioactivity, natural disasters and in other similar cases of force majeure that prevent the performance of the contracted service.

Chapter B

2. INSURANCE AGAINST THE CONSEQUENCES OF AN ACCIDENT

Article 17
accident
An accident (accident) in the sense of these Terms and Conditions is considered any sudden event independent of the policyholder’s will, which, acting mainly from outside and suddenly on the policyholder’s body, results in total or partial disability or death of the policyholder.

1. The following events that do not depend on the will of the insured are also considered accidents:
   – Trampling;
   – Collision;
   – Impact with any object or against any object, lightning strike or electric current;
   – Falling, slipping, tripping;
   – Wounding with a weapon;
   – Animal sting or bite and insect sting, unless such sting was caused by an infectious disease;
   – Strangulation and drowning;
   – Burns caused by fire or electricity, hot objects, liquids or steam, acids, alkalis, etc.;
   – Inhalation of gases or vapors, penetration of poisons, acids or alkalis into the body, unless these effects occurred gradually or if it is an occupational disease;
   – Poisoning by chemical agents due to the insured’s ignorance, except for occupational diseases;
   – Suffocation or suffocation due to burial (with soil, sand, etc.);
   – Muscle strain, sprain, sprain, bone fracture caused by sudden body movements or sudden stresses caused by unforeseen external events, if this has been determined after the injury by an appropriate specialist doctor;
   – Infections of injuries caused by an accident;
   – Effects of light, sunrays, temperature or bad weather, if the insured was directly exposed to them due to an unfortunate event that occurred before that, or found himself in such unforeseen circumstances that he could not prevent, or was exposed to them in order to save human life;
   – Action of X-rays or radioactive rays, if they occur suddenly or suddenly, except for occupational diseases;
   The insurance also extends to an accident experienced by the insured as a passenger in a motorized aircraft (aircraft, etc.) licensed to transport passengers, with the exception of motor gliders and superlight aircraft.
   A passenger in air traffic is considered to be a person who is not a crew member, does not perform a function related to the operation of the aircraft, and for whom the aircraft is not used to perform professional activities.

2. They are not considered an accident within the meaning of these conditions:
   – Infectious, occupational and other diseases and the consequences of psychological influences;
   – Abdominal hernias, umbilical hernias, water and other hernias, except for those hernias that occur due to direct damage to the abdominal wall under the direct action of an external mechanical force on the abdominal wall, if a traumatic hernia has been established after the injury, in which an injury to the soft parts of the abdomen has been clinically identified walls in the area;
   – Infections and diseases caused by various allergies, cutting or tearing blisters or other hard skin growths;
   – Anaphylactic shock, unless it occurs during treatment due to an accident;
   – Hernia disci intervertebralis, all types of lumbago, discopathy, sacralgia, coccidiodnia, ischialgia, myofascitis, fibrositis, fascitis and all pathoanatomical changes of the lumbosacral region indicated by analogous terms;
   – Detached retina (ablatio retnae) of a previously diseased or degeneratively changed eye, and detached retina of a previously healthy eye is exceptionally recognized, if there are signs of direct external injury to the eyeball determined in a health facility;
   – Consequences caused by delirium tremens and the effects of drugs;
   – Consequences of medical, especially operative procedures, which are undertaken for the purpose of treatment or prevention in order to prevent disease, unless these consequences occurred due to a proven error of the medical staff (vitium artis);
   – Pathological bone changes and pathological epiphysiolysis;
   – Systemic neuromuscular diseases and endocrine diseases;
   – Mental disorders.

Article 18.
What is covered by insurance coverage
Insuring passengers from the consequences of an accident ensures:

I. Permanent disability

1. Permanent disability as a result of an accident (accident) is a permanent complete or partial loss of a part of the body or an organ or their function, which is determined after treatment has been completed.
2. If, within one year, from the day of the accident, permanent disability is established as a result of the accident, then the appropriate amount is paid out of the contracted amount of insurance, depending on the degree of disability.
3. The percentage of disability is determined by the insurer according to the Table for determining the percentage of permanent disability as a result of an accident (accident), which is an integral part of the Insurance Contract (hereinafter: Table of Disability). Individual abilities, social position or occupation of the insured (professional ability) are not taken into account when determining the percentage of disability.

II. Death due to accident

1. If the death of the insured occurred due to an unfortunate event (accident), the contracted insurance amount is paid out.
2. Compensation in the event of death is reduced by the already established compensation for permanent disability, that is, any earlier payment for permanent disability due to the same accident (accident) if the death occurred within a year from the date of occurrence of the accident (accident). The insurer cannot claim a refund of overpaid compensation for permanent disability.
3. For persons under the age of 14, only actual and realistic funeral expenses are reimbursed under the insurance policy, up to the maximum amount of the insurance amount.

Article 19
Exclusion of liability of the insurer
Except for the cases mentioned in Article 10. accidents caused by:

1. when managing and driving airplanes and aircraft of all kinds, except as a passenger in public transport, as well as sports parachute jumps, aerial gliding, kite flying, paragliding, ballooning;
2. when engaging in the following sports: motoring, motorcycling (motorcycling, mopeding), motorboat racing, water skiing – reaching the highest speed, air sports (skydiving, paragliding, hang gliding…).
3. on the occasion of participation in automobile, karting and motorcycle competitions (including test drives and rallies) and in associated trainings;
4. when performing the following occupations:
   – pilots, flight attendants, stewards, military service (except administrative, legal, financial and similar personnel);
5. due to the detonation of explosives, mines, torpedoes, bombs or pyrotechnic devices;
6. due to a heart attack (infarction) or stroke suffered by the insured; a heart attack is in no case considered a consequence of an accident;
7. as a result of physical injuries during treatment, i.e. procedures that the insured himself undertook or had them undertaken, unless the insured event was the reason;
8. due to active participation in a physical confrontation (fight), except in a proven case of self-defense.

Article 20.

1. Obligations of the insured after the occurrence of the insured event:
   1.1. After the accident, the insured person must report to a doctor without delay, that is, call a doctor for an examination and provide the necessary assistance and immediately take all necessary measures for treatment and adhere to the doctor’s advice and instructions regarding the method of treatment.
   1.2. the insurer has the right to a medical examination of the deceased insured and the right to an autopsy, if necessary, and an exhumation.
   1.3. The costs of the medical examination, reports (initial, final medical report, repeated medical examination and specialist’s report) and other costs related to proving the circumstances of the accident and rights from the contract shall be borne by the applicant.
   1.4. the insurer is authorized and has the right to request subsequent explanations and evidence from the insured, policyholder, user, health institution or any other legal or physical person, and to take actions at its own expense for the purpose of medical examination of the insured by its doctors or medical commissions, in order to important circumstances about the reported accident have been established. At the request of the insurer, the insured must undergo an examination by a doctor designated by the insurer.

2. The insured/beneficiary is obliged to inform the insurer of the same within 3 (three) working days after learning of the occurrence of the insured event and, without delay, and no later than one month after the end of the trip, to submit all the evidence in his possession in the original in connection with the duration of the trip and the evidence necessary to determine the validity and amount of the obligation, namely:
   – If the insured person died due to an accident, the user is obliged to submit a report, policy and proof that the death of the insured person occurred as a result of the accident, evidence of the causes of death, report of the autopsy, decisions on inheritance, i.e. proof of his right to the insurance.
   – If the accident resulted in disability, the insured is obliged to submit: application, policy, evidence of the circumstances of the accident, medical documentation on treatment as a result of the accident (with X-rays) and medical documentation with established consequences in order to determine the final percentage of permanent disability.
   – In addition to the above, in both cases the insurer should be given all the necessary reports and data in the application, especially about the place and time when the insured event occurred, as well as the circumstances that caused the insurer to pay the insurance premium and in what amount, a complete description of the event , the name of the doctor who examined him and referred him for treatment or who is treating him, a doctor’s report on the type and severity of the injury, on any possible consequences, and information on defects, deficiencies and illnesses that the insured had before the accident.
   – A copy of the passport or other evidence of the actual start and end of the trip (duration of the trip).

3. If the insured or beneficiary does not act according to the provisions of this article and because of such actions contributes to the occurrence of disability or to the fact that the disability is greater than it would otherwise be, he is only entitled to a proportionate part of the compensation.

Chapter C

3. BAGGAGE INSURANCE

Article 21
What is covered by insurance coverage

1. All luggage is insured
2. Baggage in the sense of these Terms and Conditions is considered to be all things for personal use on the trip, including gifts and souvenirs from the trip, i.e. things that the insured has handed over for safekeeping to the carrier, the company providing accommodation services or that are in the luggage storage room with appropriate documents – confirmation for luggage entrusted for safekeeping, transportation or accommodation.
3. The insurance covers the loss, damage or destruction of luggage during the trip (departure and arrival), as well as during the stay at the travel destination due to:
   a) traffic accidents
   b) natural disasters (fire, earthquake, flood, storm, hail, lightning strike)
   c) explosions
   d) burglary, robbery
   e) lost luggage, damaged luggage as well as alienation from luggage handed over to the carrier.

4. The insurer will pay the insurance premium for the purchase of replacement luggage (e.g. toiletries, necessary replacement clothes, etc.) up to a maximum of EUR 250 based on the delivery of the original receipt for the purchase of the same, and in the event that the luggage handed over for transport does not arrive at the travel destination on the same day as and the insured due to a delay in transportation. Compensation for the purchase of replacement luggage when returning to the place of residence or permanent residence is excluded.

Article 22.
Limitations and exclusions of the insurer’s liability

1. Limitations
   1.1. Jewelry, watches, furs, weapons, technical devices and devices of all kinds with associated equipment (e.g. binoculars, cameras, cameras, mobile phones, laptops, tablets, etc.) are insured only up to 1/3 of the contracted insurance amount and that’s only if they handle themselves. If these items are in checked baggage, they are not insured under any circumstances.
   1.2. Bicycles, kayaks, collapsible sports boats and rubber boats, as well as other sports equipment with associated equipment are included in the insurance coverage, but not during use (boats that are inflated or folded are considered ready for use).
   1.3. Luggage in a motor vehicle is insured against burglary from an unattended motor vehicle, only if the luggage is in a luggage compartment that is locked and protected by metal or glass and if all existing security devices are engaged.
   1.4. Luggage left in the vehicle must be stored in a special luggage compartment or in a locked factory roof rack.
   1.5. Insurance coverage is valid when the motor vehicle is properly closed (with safety devices on) as specified in point 3. of this article and parked in a hotel or public garage, in a hotel parking lot or a supervised parking lot, or if it is parked unattended on public traffic areas.
   1.6. Insurance protection against burglary from a motor vehicle is available from 06:00 to 21:00 local time, unless the vehicle is located in a guarded garage or paid parking lot, when the insurance is available 24 hours.
   1.7. Luggage in the vessel is insured against burglary only if the luggage is in a locked luggage compartment, and the luggage must be placed so that it is not visible. Insurance coverage is valid only from 06:00 to 21:00 local time. 2. Except for the cases mentioned in Article 10. the following exclusions are also determined:

They are not insured
– money, credit cards, securities, travel tickets, documents and documents of all kinds (eg passport, driver’s license, etc.) except for the costs of reissuing personal documents;
– items that have artistic or collector value;
– animals;
– medicines, glasses, contact lenses, as well as all types of prostheses;
– tools, appliances, devices and musical instruments intended for the performance of activities;
– accessories, tools, spare parts and special equipment for motor vehicles with associated accessories;
– motor vehicles, trailers, aircraft and vessels (except bicycles, collapsible boats and rubber boats whose value does not exceed EUR 1,400);
– items on or in unlocked vehicles or vessels and bags on motorcycles or their contents if the bags were left on the motorcycle.

Damages are not insured:
– on luggage resulting from a criminal offense that was not reported to the competent police;
– which are caused by the natural properties or defects of things (especially internal damage or breakage, wear, inappropriate packing or closing of luggage parts);
– caused by the behavior of the insured (forgotten, left, misplaced things, things put away in an inappropriate way and in an inappropriate place, etc.);
– occurred during camping;
– which are covered by other insurance.

Article 23.
Obligations of the insured when the insured event occurs

1. The insured is obliged to notify the insurer of the same within 3 (three) working days from the date of occurrence of the insured event and, without delay, and at the latest within one month after the end of the trip, submit all the evidence in his possession regarding the duration of the trip in the original and the evidence necessary to establish the validity and amount of the obligation, namely:
   – police report with a list of all lost and damaged items together with a written report of damage, insurance policy, certificate of damage to luggage issued by the competent carrier or company providing accommodation services;
   – confirmation of the paid amount of compensation for damage to luggage by the carrier or the company that provides accommodation services;
   – a copy of the passport or other evidence of the actual start and end of the trip (duration of the trip).

2. The insured person is obliged to report the damage caused by the criminal acts of a third party to the competent or nearest police station immediately after the occurrence of the harmful event, without delay.
Damages to checked baggage must be reported immediately, without delay, to the carrier or the company providing accommodation services and a certificate of damage must be issued.
The insured is obliged without delay to take everything in his power to remove, limit or mitigate the harmful consequences of the insured event.

Article 24
Compensation from insurance

1. The insurer reimburses, within the framework of the contract, up to the amount of the contracted insurance amount specified in the policy:
   – for destroyed or lost things (luggage), their current value;
   – for damaged items, necessary repair costs, but at most the current value of the insured item;
   – for films, sound and data carriers, the value of the material;
   – for damage to jewelry, watches, fur, appliances and devices of all kinds with associated equipment, weapons for hunting and sports, per insured event up to 50% of the contracted insurance amount;
   – for damages to items of personal use, gifts and souvenirs purchased during the trip, per insured event up to 10% of the contracted insurance amount;
   – for official fees for the reissuance of identity cards, passports, documentation for motor vehicles and other documentation, up to 10% of the contracted insurance amount, and a maximum of EUR 70 per insured event.

2. The current value of the insured item is the newly purchased price of the item at the time of damage minus the estimated amount of lost value due to age or wear and tear.
3. If the insured items are completely destroyed or stolen, and the insured cannot prove their current value, the insurer’s obligation is up to 50% of the purchase value of the new item.
4. In the case of damage to the luggage that the insured person carries with him, the insured person participates in the damage in the amount of EUR 50 per harmful event.

Chapter D

4. TRAVEL CANCELLATION OR INTERRUPTION INSURANCE

Article 25

What is covered by insurance coverage

1. The insurer reimburses the costs of the travel price in accordance with Article 27. of these Conditions that the insured contracted and paid for and for which he concluded an insurance contract with the insurer within the terms and in accordance with Article 5. paragraph 1. of these Conditions if the cancellation of the trip occurred due to one of the reasons listed below that affected the insured himself or another person with whom he is related. These are the following reasons:
   a) death;
   b) sudden acute illness that requires urgent medical care;
   c) an accident with serious bodily injury;
   d) disorders in pregnancy;
   e) failure to submit the vaccine, which the insured was obliged to receive, according to the positive regulations of the country to which he is traveling;
   f) damage to property caused by fire, natural disaster or intentional criminal act of a third party;
   g) military exercise.

Other persons with whom the insured is connected in terms of these conditions are considered to be:
– spouse or common-law partner with whom the insured lives in a married or common-law union;
– children of the insured;
– parents, brothers and sisters of the insured or his spouse, or a person whom the insured must take care of (eg grandparents or other persons who live in the same household with the insured);
– adopted children and adoptive parents.

2. Illness, accident or disorders in pregnancy must be confirmed by a doctor with a diagnosis.

Article 26
Except for the cases mentioned in Article 10. the following exclusions of the insurer’s liability are also determined:

1. Trip cancellation for the following reasons is excluded from insurance coverage:
   a) diseases that occurred before the start of the insurance or the signs of which were already recognizable at that time;
   b) consequences of the accident if the accident occurred before the beginning of the insurance and if these consequences were recognizable at that time;
   c) professional reasons;
   d) disease epidemics in the country to or from which the insured is traveling.

Article 27
Insurance amount – self-retention

1. The insurance amount is limited by the contracted insurance amount.
2. The insurance amount is always the full price of the travel arrangement (trip) that has been paid and for which the insurance contract was concluded with the insurer.
3. If the trip is canceled before the start of the trip, the insurer pays 90% of the amount that the insured paid for the trip and reported when concluding the insurance contract.
4. If the trip is canceled after the start of the trip, and at the latest until 50% of the planned duration of the trip has expired, the insurer pays 90% of the amount that the insured paid for the trip and reported when concluding the insurance contract, minus the price of the already used travel days.

Article 28
Obligations of the insured when the insured event occurs

1. The insured is obliged within 3 (three) working days after the occurrence of one of the reasons for canceling the trip specified in Article 25. of these Terms and Conditions, to cancel the trip to the person with whom he concluded the travel contract, and to notify the insurer of the same in writing within 15 working days at the latest, counting from the date of the reason for cancellation.
2. The insured is obliged to submit a compensation claim to the insurer together with the following documents:
   – insurance policy;
   – payment slip and travel contract confirming that the trip has been paid for and confirmation that the insurance premium has been paid;
   – a written confirmation from a travel agency (if the trip is organized through an agency) or similar on the cancellation of the trip, the date of cancellation of the trip must be clearly and explicitly stated, and in case of interruption of an already started trip, the date and place of interruption of the trip must be indicated;
   – a confirmation from a travel agency (if the trip is organized through an agency) about the amount that was collected from the insured due to cancellation or interruption of the trip, a confirmation that the trip has been paid for;
   – if the trip is canceled or interrupted due to illness, physical injury, pregnancy or failure to receive vaccines, the insured must submit to the insurer complete medical documentation related to the illness, injury, pregnancy or vaccination, which is related to the insured’s inability to use the trip, and a sick report or the employer’s confirmation of the use of annual leave in that period, if the insured is employed;
   – if the trip is canceled or interrupted due to a death, the insured or insurance beneficiary must submit a death certificate / death certificate to the insurer;
   – if the trip is canceled or interrupted due to property damage, military exercises, the insured must submit to the insurer a certificate from the competent authority;
   – a copy of the passport or other evidence of the actual start and end of the trip (duration of the trip).

Chapter E

5. OFFICIAL TRIP CANCELLATION INSURANCE

Article 29
What is covered by insurance coverage?

1. Insurance protection defined in Articles 25, 26. and 27 of these Terms also extends to the risk of trip cancellation due to cancellation of an official congress or business meeting by the organizer.
2. An official congress is considered to be various conferences or seminars with a formal agenda, the purpose of which is consideration, discussion, consultation or exchange of information on a specific issue from the business scope of the insured or insurance beneficiary.
3. A business meeting is considered a meeting between two or more persons, without a predetermined formal agenda, the purpose of which is to consider certain issues from the business scope of the insured or insurance beneficiary.
4. The insurer is not obliged to refund the registration fee paid, i.e. the expenses paid for the purpose of participating in the congress.

Article 30.
Obligations of the insured when the insured event occurs

1. The insured person is obliged to submit a claim for compensation with the following documentation to the insurer no later than 15 days from the day when the official trip was supposed to start according to the plan, or from the day when the already started official trip was interrupted:
   – the invitation of the organizer of the congress or business meeting;
   – application and proof of payment for the congress and tourist arrangement with an exact specification of which part refers to the registration fee, and which part refers to transportation and accommodation;
   – confirmation of invitation to participate in a business meeting and proof of payment for the tourist package;
   – confirmation of the congress organizer about the cancellation with the reasons for the cancellation;
   – a certified confirmation of the cancellation of the business meeting organizer with the reasons for the cancellation of the meeting;
   – other documentation specified in Article 28. of these Terms.

Chapter F

6. FLIGHT DELAY INSURANCE

Article 31

What is covered by insurance coverage

1. The insurer compensates the necessary expenses of the insured in the event of a flight delay of more than 4 hours from the scheduled departure or in the event of a flight delay and therefore missing the next connected flight.
2. The insurance is contracted with the participation of the insured in part of the determined amount of damage (deductible deductible), whereby the insurance compensation is reduced by the amount of the contracted deductible.
3. Necessary expenses are considered to be expenses for food, drinks, newspapers, etc., and if the flight is delayed by more than 24 hours, then also overnight expenses.

Article 32.

1. In the same scope and under the same conditions as in Article 31. and if the premium is paid for the family, the insurance covers the reimbursement of the expenses of the following persons:
   – spouse or common-law partner traveling together with the insured;
   – children of the insured (adopted children, children taken into care and stepchildren), children of the insured’s spouse or common-law partner, who travel together with the insured.

Article 33.
Obligations of the insured when the insured event occurs
The insured is obliged within 3 (three) working days after the occurrence of the insured event referred to in Article 31. paragraph 1. of these Conditions, inform the insurer about the same in writing.
The insured is obliged to submit a compensation claim to the insurer together with the following documents:
– insurance policy;
– airplane ticket;
– confirmation from the airline about the flight delay or about the canceled flight;
– invoices proving the necessary expenses from Article 31. paragraph 3. of these Terms;
– as necessary, other documentation proving the occurrence of the insured event.

Chapter G

7. PRIVATE LIABILITY INSURANCE

Article 34
What is covered by insurance coverage

1. Pursuant to the provisions of these Terms and Conditions, the insurance covers the civil-legal non-contractual liability of the insured, for damage due to death, injury to the body or health, and damage or destruction of property of a third party, namely:
   a) in the capacity of a private person during the trip, except when performing craft activities and all activities with which one earns money;
   b) from the possession and use of a bicycle without a motor;
   c) from amateur sports, except for hunting;
   d) from keeping tame animals except dogs when the animals are not kept for economic purposes. 2. In terms of the provisions of these Terms and Conditions, the policyholder, the insured and the insurer, the employees of the insured, the spouse, parents or children of the insured, as well as other persons who live in the same household with the insured and are cared for by the insured, are not considered third parties. In relation to legal entities, a third party is not considered a co-owner of the contractor or the insured, persons owned or co-owned by the contractor or the insured. Furthermore, third parties are not considered subcontractors and their workers in jobs in which the contractor or the insured appears as a contractor and the holder of the work, persons whose damage results from a breach of the contractual (professional) obligation of the contractor or the insured, regardless of their right under the rules of non-contractual liability for damage.

Insurance coverage is limited to the countries of the European continent.

Article 35.

1. One insured case is also considered:
   – the occurrence of a harmful event involving several insured persons;
   – several harmful events resulting from the same cause;
   – a harmful event resulting from several similar causes, if there is a legal, economic or technical connection between these causes.

Article 36.
Extension of insurance

1. During the journey, to the same extent as in Article 34. and if a family premium is paid, the insurance covers liability:
   – of a spouse or common-law partner who lives with the insured in a joint household;
   – minor children of the insured (adopted children, children taken into care and stepchildren), minor children of the insured’s spouse or common-law partner, if they do not have insurance coverage on some other basis.

Article 37
Exclusion of liability of the insurer
1. Insured persons cannot be minors, except in the sense of Article 36. of these Terms.

2. With the exclusions specified in Article 10. of these Terms and Conditions, insurance also does not apply to:
– damages caused to the policyholder himself, the insured, co-insured persons or other persons living with the insured in the same household;
– damages resulting from the performance of professional or business activities;
– damage to things, which the insured or another person took over on his order for loan, rent, leasing, lease or for safekeeping or for transportation;
– damage to movable property caused by their use, transportation, processing or other activity on or with them;
– damage to those parts of immovable things that are the direct object of processing, use or other activity;
– damages caused by the insured or persons who work for him by owning or using aircraft and aircraft, motor vehicles, trailers and vessels;
– purely property damages, damages that did not result from injury to the health or body of a person or from destruction or damage to things;
– claims that, based on a contract or special agreement, exceed the scope of the legal obligation to compensate for damages;
– obligations to compensate for damages that are directly or indirectly caused by the influence of asbestos, products or materials made of asbestos of any kind, or are in any way related thereto;
– obligations to compensate damages caused by the disappearance and loss of things;
– damage to the environment caused by changes in the natural state of air, soil or water or by harmful immission;
– for damages caused by weapons;
– for damages caused by insolvency or insolvency of the insured.

3. The insurance does not cover the liability of the insured for damage caused to things due to:
– permanent effects of temperature, gases, steam, moisture or precipitation (smoke, soot, dust, etc.), as well as due to mold, earthquakes, noises, etc., resulting in gradual damage;
– land subsidence and sliding;
– floods of stagnant, liquid and underground water.

4. The insurance does not apply to damages:
– due to participation in horse, bicycle, motorcycle and car races, boxing and wrestling matches, as well as their preparations;
– due to overdraft and credit on the purchase and sale agreement, and especially due to non-compliance with agreed delivery deadlines and guaranteed obligations;
– due to indirect losses (loss of market, drop in prices, ban on import or export, etc.).

Article 38

1. Obligations of the insured after damage has occurred:
   – The insured is obliged to inform the insurer in case of initiation of judicial or administrative proceedings (lawsuit, proposal for execution, payment order, criminal proceedings, etc.). In case of initiation of disputes and proceedings, the insurer will, with the consent of the insured, choose a representative – a lawyer for representation before the court;
   – The insured is obliged, to the best of his ability, to provide support to the insurer in resolving claims for damages and to follow the insurer’s instructions in every way;
   – The insured is not authorized, without the consent of the insurer, to recognize any claim for damages in whole or in part and may not enter into a settlement or make a payment;
   – if he is not able to obtain the instructions of the insurer in a timely manner, the insured is obliged to take all procedural actions (including objections) within the prescribed time limits, which do not suffer delay and are related to the deadline;
   – assignment or pledging of claims for compensation may only take place with the consent of the insurer.
2. The insurer is authorized, within the framework of the insurance contract, to submit on behalf of the insured all the required explanations regarding the conduct of the compensation procedure. If the insurer proposes to resolve the claim for damages by recognition, out-of-court settlement or settlement, and this is not carried out due to the opposition of the insured, in that case the insurer is not obliged to bear the increased costs caused by the opposition, which applies to both the principal and interest and expenses.

Article 39

1. In the event of an insured event, damage to persons and property, as well as litigation costs and other justified costs to determine the insured’s liability, will be compensated, up to the amount of the insurance.

* The official fixed conversion rate of HRK 7.53450 was used for the conversion