Your Policy Document Chubb Travel Insurance

1 Your Policy Document Chubb Travel Insurance UK / Wizz / CM00010 / 01112021 2 Advice to Travellers Important Phone Numbers Pl ease mak e a note of the fol lowing phone numb ers or add them to Your mob il e; You may need them in an emergency or if You need to mak e a Claim. Chubb Assistance For overseas medical emergencies please contact Chubb Assistance on: Tel ephone: +44 (0) 161 333 7780 (24 hours a day, 365 days a year) Chubb Claims Tel ephone: +44 (0) 161 333 6160 (Monday - Friday, from to ) Email : Travel Insurance @b Chubb Customer Service Tel ephone: +44 (0) 161 333 6160 (Monday - Friday, from to ) Email : Travel Insurance @b Helpful hints for your Insurance Tak e copies of Your pol icy documents on Your Trip with You; Report any Loss of theft to the hotel or l ocal pol ice within 24 hours and get a report from them.

2 Keep Valuables safe (for example in a safety deposit b ox); Don t leave Valuables l ying around or in view of other people; Leave yoursel f enough time to get to the airport, park, and get through security. Rememb er to al low time for del ays in traffic or Travel Contact Us if You have a change in heal th that may l ead to You having to cancel or al ter Your Trip Contact Us for advice b efore incurring costs that You woul d seek to sub sequently Claim for under this Pol icy +44 (0) 161 333 6160. Immunisations You may need extra immunisations when Travel l ing Abroad. Check whether You do b efore Travel ling online at /heal thcareabroad GHIC / EHIC If You are Travel l ing to Europe (al l EU countries pl us Icel and, Liechtenstein, Norway & Switzerl and) You shoul d tak e a Gl ob al Heal th Insurance Card (GHIC) / European Heal th Insurance Card (EHIC) with You when You Travel .

3 The GHIC is repl acing the EHIC as a resul t of the UK l eaving the EU. If You already have an EHIC, this wil l still b e valid until the card expires at which point You can appl y for the GHIC. Both GHIC and EHIC wil l al l ow You to b enefit from the reciprocal heal th arrangements, which exist with these countries and, if You have a val id Claim for Medical Expenses under this Pol icy, We will not deduct the Excess where the cost of Your Claim has b een reduced b y You using Your GHIC or EHIC. You can get more information ab out the GHIC, appl y or renew Your GHIC: Onl ine at: /ehic By phone: 0300 330 1350 By post: Forms avail abl e onl ine.

4 Waiver If You have a val id Claim for medical expenses under this Pol icy, which is reduced b y You using an EHIC or GHIC; or tak ing advantage of a reciprocal health agreement with the United Kingdom; or using Your private medical Insurance at the point of treatment, We wil l not deduct the excess. UK / Wizz Air / CM00010 / 01112021 3 Travel Aware We are supporting the Foreign, Commonweal th and Development Office s ' Travel Aware' campaign, to help travellers prepare for their Trip and stay safe when ab road. Search /travelaware to sign up for advice on the country you are visiting and prepare for travelling ab road.

5 You can al so k eep up-to-date with the l atest FCDO Travel advice b y fol lowing the FCDO on Faceb ook @FCDO Travel , on Twitter at @FCDO travelGovUK, and on Instagram at @ Travel aware. FCDO Travel Advice This Pol icy does not cover any Trip invol ving Travel to areas where the Foreign, Commonweal th and Development Office has advised against 'al l Travel ' or all but essential Travel . If You are not sure whether there is a Travel warning for Your destination, pl ease check their web site. UK / Wizz Air / CM00010 / 01112021 4 Contents Advice to Travellers 2 Important Phone Numbers 2 Helpful hints for your Insurance 2 Immunisations 2 GHIC / EH IC 2 Waiver 2 Travel Aware 3 FCDO Travel Advice 3 Welcome 6 Table of Benefits 7 Important Information 8 How to Cl aim 8 How to Cancel 8 General Conditions and General Excl usions 8 Persons Covered 8 Policy Definitions 8 Chil dren 8 Trips Covered 8 Trips Not Covered 8 The Cover We Provide 8 When You Are Covered 8 When Cover Wil l End Automaticall y 9 Automatic Extension of the Period of Insurance 9 Leisure Activities and Sports 9 Chubb Assistance 11

6 Medical Emergency and Referral Services 11 Personal Assistance Services 11 Section 1 - Cancellation 13 Section 2 Medical Expenses & Repatriation 15 Section 3 Hospital Benefit 16 Section 4 Travel Delay / Abandonment 17 Section 5 Missed Departure 18 Section 6 Curtailment 19 Section 7 Personal Effects & Baggage 20 Section 8 Business Equipment 21 Section 9 Loss of Passport / Driving Licence 21 Section 10 Personal Money 22 Section 11 Personal Accident 22 Section 12 Personal Liability 24 Section 13 Overseas Legal Expenses 25 General Exclusions 28 Making a Claim 30 Reporting Lost, Stolen or Damaged Property 30 Claim Conditions 31 Other Insurance 31 UK / Wizz Air / CM00010 / 01112021 5 Recovering Our Cl aims Payments from Others 31 Compl ying with Special Conditions 31 Suppl ying Detail s & Documents 31 Your Duty to Avoid or Minimise a Cl aim 31 Protecting Property 31 Sending Us Legal Documents 31 Sub rogation 31 Things You Must Not Do 31 Recognising Our Rights 31 Fraudulent Claims 32 Paying Cl aims 32 General Conditions 33 Contract 33 Choice of Law 33 Third Party Rights 33 Compliance with Policy Requirements 33 Changing Your Policy 33 Cancel ling Your Policy 33 Other taxes or costs 33

7 Misrepresentation and Non-Discl osure 33 Interest 34 Bank Charges 34 Compl aints procedures 34 Our Regul ators 34 General Definitions 36 Data Protection 39 Contact Us 40 About Chubb 40 UK / Wizz Air / CM00010 / 01112021 6 Welcome Thank you for choosing Chubb Travel Insurance . This is Your Pol icy Wording which, together with Your Certificate of Insurance and the information supplied when applying for this Insurance , is a contract b etween You and Us. Cover provided under this Policy is underwritten b y Chubb European Group SE, (We/Us). This Pol icy pays b enefits, in accordance with this Pol icy Wording, in the event that You need to cancel Your Trip b efore it b egins, or You: suffer il lness or injury; or are del ayed en route; or suffer Loss or damage to Your Personal Property, Money or Business Equipment whil st on a Trip.

8 This Pol icy does not cover: any pre-existing medical conditions; or manual work of any description; or any Trip where Winter Sports is the main reason for Your trip; or any peril which is not l isted. You (as specified in the Certificate of Insurance ) and Chubb agree that You shal l pay the premium as agreed. The Certificate of Insurance and this Pol icy Wording provide the ful l terms and conditions of the Insurance with Us. You ack nowl edge that We have offered this Pol icy and set the premium using the information which We have ask ed for and You have provided, and that any change to the responses provided b y You may resul t in a change in the terms and conditions of the Pol icy and/or a change in the premium.

9 You shoul d check over the Pol icy Wording and Certificate of Insurance carefully to ensure they are correct and meet Your requirements, and notify Us immediately, if anything is incorrect, as this coul d affect Policy cover in the event of a Claim. You shoul d k eep these documents in a safe pl ace. You must tel l Us if either Your Insurance needs or any of the information You have given Us changes. A change in circumstances may affect Pol icy cover, even if You do not think a change is significant, and We may need to change this Pol icy. We wil l update the Pol icy and issue a new Certificate of Insurance each time a change is agreed.

10 UK / Wizz Air / CM00010 / 01112021 7 Table of Benefits Section Benefit Amounts / Limit of Liability Excess1 1. Cancel l ation Flight Cost2 plus up to 500 for unused Travel costs 2. Medical Expenses & Repatriation A. i. and ii. Medical Expenses & Emergency Repatriation Expenses iii. Travel Expenses B. Accompanying Travel ler Expenses C. Cremation Burial or Transportation Charges D. Emergency Dental Treatment up to 2,500,000 50 per day up to a Max of 500 50 per day up to a Max of 500 up to 5,000 up to 200 3. Hospital Benefit 25 for each full 24 hours up to a Max of 500 4. Travel Del ay/Ab andonment A.