Privilege and Privilege Premier current accounts

1 Privilege and Privilege Premier current accountsWorldwide Travel Insurance Policy Summary and Policy DocumentContents2Do you need to make a Medical Health Declaration? Page 3 Policy Summary Page 5 Policy Document Page 13 Definitions Page 18 Important Health Requirements Page 21 General Conditions Page 26 General Exclusions Page 27 Sports and Winter Sports Activities Page 28 The Insurance Section A Travel Advice Page 30 Section B Travel Assistance Page 31 Section C Cancellation or Curtailment Charges Page 31 Section D Delayed Departure/Abandonment Page 33 Section E Missed Departure Page 34 Section F Involuntary Denial of Boarding Page 35 Section G Emergency

2 Medical and Other Expenses Page 35 Section H Hospital Benefit Page 37 Section I Baggage, Baggage Delay, Personal Money and Passport Page 37 Section J Personal Accident Page 39 Section K Personal Liability Page 39 Section L Overseas Legal Expenses and Assistance Page 40 Section M1 Ski Equipment and Ski Equipment Hire Page 41 Section M2 Ski Pack Page 41 Section M3 Piste Closure Page 41 Section N1 Golf Equipment Page 42 Section N2 Golfing Liability Page 43 Section N3 Green Fees Page 43 Section N4 Hole in One Page 44 Section O Hijack Page 44 Section P European Pet Care Page 44 Section Q End Supplier

3 Failure Page 44 Section R Travel Disruption Page 46 Complaints Procedure Page 48 Use of your Personal Data Page 49 worldwide Travel Insurance Policy summaries and Policy DocumentsWelcome to your new worldwide Travel Insurance policy. Inside this booklet you will find everything you need to know about your cover, from what to do in an emergency to important terms and conditions. You should take this with you when you travel, in case anything unfortunate occurs. Please ensure you have read and understood the policy summary, benefit schedule and policy document all contained within this travel advice and emergency assistance telephone +44(0) 344 249 9981 Your Policy Number is BANK0920083 worldwide Travel InsuranceWorldwide Travel InsuranceDo you need to make a Medical Health Declaration?

4 Please follow this step-by-step guideNo claim arising directly or indirectly from a pre-existing medical condition affecting any person travelling under this insurance will be covered unless ALL pre-existing medical conditions have been declared to The Co-operative Bank Medical Assessment Helpline prior to the commencement of cover under this policy and/or prior to any trip, plus any changes in health or prescribed medication have been declared and we have accepted the condition(s) for insurance in 1 Please read the following questions carefully.

5 A) During the last two years, has anyone travelling under this policy had any medical or psychological condition: which has resulted in symptoms, or for which any form of treatment or prescribed medication has been required, orYesNo for which they have required any medical consultation, investigation or follow-up/check-up?b) Has anyone travelling under this policy EVER had any cardiovascular or circulatory condition? For example: A heart attack, angina, chest pain(s), or any other heart condition. High blood pressure, blood clots, raised cholesterol, aneurysm, or any circulatory Any form of stroke, transient ischaemic attack, or brain Co-operative Bank Privilege and Privilege Premier current accountWorldwide travel insurance provided by AXA Travel Insurance and underwritten by Inter Partner AssistanceIf you have answered YES to either (a) or (b).

6 If you have answered NO to BOTH to Step further action required. You do not need to tell us anything more about your medical history at this Travel Insurance4 worldwide Travel InsuranceStep 2 Automatically Accepted ConditionsThe medical conditions under Section Waived Conditions on page 21 are covered free of charge and subject to the normal terms and conditions of this insurance, provided: a) the insured person is not awaiting surgery for the condition, and b) the insured person has been fully discharged from any post-operative do not need to declare any of those conditions to us provided both of the above requirements have been the condition(s) IS listed under Waived Conditions, both of the above requirements have been met AND there are no more conditions to further action required.

7 You do not need to tell us anything more about your medical history at this to Step to Step to Step the condition(s) IS listed under Waived Conditions, both of the above requirements have been met BUT there are more conditions to the condition(s) IS NOT listed under Waived the condition(s) IS listed under Waived Conditions BUT the above requirements have not been met. There are no further conditions to 3 Each person who is travelling under this policy and who has been directed to Step 3 will need to call the Co-operative Bank Medical Assessment Helpline on 0344 249 9981 to declare: a) any conditions listed under Waived Conditions (where all criteria have not been met), and b) any other medical conditions.

8 If you have a pre-existing medical condition you must make a medical health declaration when: a) opening your Privilege or Privilege Premier current account, or b) booking any trip, or c) upon the annual renewal of your medical health declaration, whichever is the later. We will assess the medical information supplied to us and advise if we can cover the pre-existing medical condition(s), if certain exclusions or restrictions should be imposed, or if cover can be offered subject to the payment of an additional premium.

9 If the cover is subject to the payment of an additional premium, cover will not commence until full payment has been received by us and written confirmation has been provided by us. If your policy is endorsed to cover any claims arising from your pre-existing medical condition(s), the endorsement will remain valid for 12 months and you need not re-declare your pre-existing medical condition(s) when taking any trips within that 12-month period. If there are any changes in your health or prescribed medication after you declare, you must notify us and update your medical health declaration prior to booking any trip or departing on any trip.

10 All changes must be declared to us and accepted in writing before cover can to declare pre-existing medical conditions that are relevant to this insurance may invalidate your Travel InsuranceWorldwide Travel InsuranceDemands and NeedsThis product meets the demands and needs of those under 80 years of age travelling abroad in respect of medical and other similar expenses throughout the duration of the Co-operative Bank is not providing you with a personal recommendation based on your individual circumstances as to whether this policy is suitable for your needs, and recommends that you read the policy summary below.