General Terms and Conditions of Non-motor...

End of non-life insurance period

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Logo Ergo 7 – dwuelementowe

Wersja: logotyp pod sygnetem, przeznaczona do umieszczania na górnej krawędzi formatuFont: Fedra Serif A Pro Medium

1

a house or a flat with fixture and fitting and with technical facilitiesroof, walls, windows, floors, wallpaper, fittings, installations, boiler

2

furnishingfurniture (including built-in), household appliances/electronic devices, kitchen cupboards

3

personal belongingsclothing, jewellery, books, discs, cosmetics, computers, photo equipment, mobile phones

ERGO 7. The Art of ChoosingGeneral Terms and Conditions of Non-motor Insurance

OC w życiu prywatnym

garden architecture

Driver and Passenger’s accident insurance

Third-party insurance for owners of motor vehicles

antiques, works of art and collections• fortuitous events

a house or a flat with fixture and fitting and with technical facilities

outbuilding (including a detached garage)

glazing• breaks• cracks

Accident insurance

personal belongingsfurnishing

motor hull insurance• całkowita utrata pojazdu

motor hull insurance• minor damage to the vehicle

motor hull insurance• full motor hull insurance (cost estimate,

Partnership Network, Approved Repairer)

• fortuitous events

• burglary• robbery• costs of security system replacement


• burglary• theft• robbery• vandalism

• fortuitous events• overvoltage

• burglary• robbery• vandalism






• przepięcia• koszty poszukiwania przyczyny szkody

• vandalism

• frost cracks

• overvoltage

• vandalism

• frost cracks

Property insurance against fortuitous

events

Property insurance against theft

civil liability insurance in private life

Personal Accidents

Motor hull insurance

Personal Accident Insurance of Drivers

and Passengers

Third-Party Liability

Insurance



Car Assistance Mini

Car Assistance Standard

Fix Insurance Sum

OC

Cover Against the Loss of Discount

AC


Luggage Home Assistance

SOS Assistance

Medical Assistance

Medical Assistanceextended scope

Car Assistance Premium

Car Assistance Prestiż

Additional equipment

Windows Green Card Tenant Third-Party Liability Insurance

OC w życiu prywatnym

garden architecture

Driver and Passenger’s accident insurance

Third-party insurance for owners of motor vehicles

antiques, works of art and collections• fortuitous events

a house or a flat with fixture and fitting and with technical facilities

outbuilding (including a detached garage)

glazing• breaks• cracks

Accident insurance

personal belongingsfurnishing

motor hull insurance• całkowita utrata pojazdu

motor hull insurance• minor damage to the vehicle

motor hull insurance• full motor hull insurance (cost estimate,

Partnership Network, Approved Repairer)




• burglary• theft• robbery• vandalism








• przepięcia• koszty poszukiwania przyczyny szkody

• vandalism

• frost cracks

• overvoltage

• vandalism

• frost cracks

Property insurance against fortuitous

events

Property insurance against theft

civil liability insurance in private life

Personal Accidents

Motor hull insurance

Personal Accident Insurance of Drivers

and Passengers

Third-Party Liability

Insurance



Car Assistance Mini

Car Assistance Standard

Fix Insurance Sum

OC


AC


Luggage Home Assistance

SOS Assistance

Medical Assistance

Medical Assistanceextended scope

Car Assistance Premium

Car Assistance Prestiż

Additional equipment

Windows Green Card Tenant Third-Party Liability Insurance

ERGO 7. The Art of ChoosingChoose the best insurance for your lifestyle.

5EN/KM/OW092/1512

Dear Sir/Madam,

We are pleased to welcome you to the ERGO 7 world of insurance. We did everything to make this world simple and transparent.The document in front of you is the General Terms and Conditions of Insurance (the so-called OWU). It comprises among others:

• an accurate description of events that are covered and are not covered under this policy,

• a description of the manner in which the amount of benefits paid are determined,

• clarification of the rights and obligations of both parties - Customers and ERGO Hestia.

We would like to draw your attention to “Definitions”. In the provisions you can find the definitions of terms that we use herein. The General Terms and Conditions of Insurance comprise many tips concerning insurance, among others:

• what to take into consideration upon signing the contract, and what to take into consideration to during its execution,

• what are the required protective measures against theft,• how to behave when the loss occurs.

If you read the General Terms and Conditions of Insurance carefully, you will be able to select consciously the most appropriate insurance option, which will offer the best protection for your wealth.

Thank you for the confidence placed in our company. Please, read the documents carefully.

4EN/KM/OW092/1512

General Terms and Conditions of Non-Motor Insurance of ERGO 7 Line

Table of contents

I.Common Provisions and Definitions of General Terms and Conditions of Non-motor insurance of ERGO 7 line

6

STATEMENTS OF ERGO HESTIA 8

DEFINITIONS 8

COMMON PROVISIONS 11

GENERAL EXCLUSIONS 11

INSURANCE PREMIUM 12

CONCLUDING THE INSURANCE CONTRACT ON SOMEONE ELSE’S ACCOUNT 12

INSURANCE PERIOD AND INDEMNITY PERIOD 12

CLAIM PROCEDURE 12

THE PAYMENT OF COMPENSATION OR BENEFITS 13

TERMINATION OF THE INSURANCE CONTRACT 13

INSURANCE SUBROGATION 14

FINAL PROVISIONS 14

II. General Terms and Conditions of Property Insurance 15

SUBJECT AND SCOPE OF INSURANCE COVER 17

EXCLUSIONS OF LIABILITY 18

SUM INSURED 18

OBLIGATIONS OF THE CUSTOMER AND THE INSURED 19

PROPERTY PROTECTION 19

MINIMUM REQUIREMENTS FOR PROTECTION OF THE PROPERTY AGAINST BURGLARY

19

PROTECTION OF DOORS, WINDOWS AND OTHER EXTERIOR OPENINGS 19

CONSTRUCTION AND PROTECTION OF EXTERIOR DOORS 19

KEYS PROTECTION 19

ASSESSMENT OF THE AMOUNT OF LOSS AND COMPENSATION 19

FINAL PROVISIONS 21

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III. General Terms and Conditions of Personal Accident Insurance 22



SUM INSURED 25

DETERMINING THE AMOUNT OF BENEFIT 25

PERSONS ENTITLED TO BENEFITS 26

FINAL PROVISIONS 26

APPENDIX 1 TO THE GENERAL TERMS AND CONDITIONS OF INSURANCE 27

IV.General Terms and Conditions of Third-Party Liability Insurance in Private Life

30



SUM INSURED 33

LIABILITY OF ERGO HESTIA 33

FINAL PROVISIONS 33

V.General Terms and Conditions of Tenant Third-Party Liability Insurance

34

SUBJECT OF INSURANCE 36


SUM INSURED 36

LIABILITY OF ERGO HESTIA 36

FINAL PROVISIONS 36

VI. General Terms and Conditions of Assistance ERGO 7 37

SUBJECT OF INSURANCE 39

HOME ASSISTANCE 39

SOS ASSISTANCE 39

MEDICAL ASSISTANCE 40


FINAL PROVISIONS 42

VII. General Terms and Conditions of Luggage Insurance 43

SUBJECT, SCOPE AND PLACE OF INSURANCE COVERAGE 45


SUM INSURED 45

DETERMINING THE AMOUNT OF COMPENSATION 45

FINAL PROVISIONS 45

6EN/KM/OW092/1512

Common Provisions and Definitions of General Terms and Conditions of Non-motor Insurance of ERGO 7 line

CODE: C-E7-PWP-01/15

7EN/KM/OW092/1512

The following table contains information about provisions of the concluded Common Provisions and Definitions of General Terms and Conditions of Non-motor Insurance ERGO 7, which govern the issues listed in Article 17 section 1 of the Act of 11 September 2015 on the insurance and reinsurance activity.

Name of the insurance

Number of the template’s editing unit

Prerequisites of payment of damages and other benefits or the value of insurance:

Limitations and exclusions of liability of the insurance company allowing it to refuse the payment of damages and other benefits or to decrease their amounts:

Common for all insurance § 3, § 10 section 3, § 13, § 14, § 17 section 2

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STATEMENTS OF ERGO HESTIA

§ 11. We would like to inform you that in connection with the concluded insurance contract:1) Sopockie Towarzystwo Ubezpieczeń ERGO Hestia SA with its registered office in Sopot, at ul. Hestii 1, (hereinafter: “ERGO Hestia”), is the controller of your personal data, which will be processed by it in order to carry out its obligations under the insurance contract and to meet legally justified purposes, such as: direct marketing of private-label products and services and asserting claims under the concluded insurance contract. Data is processed pursuant to: Article 23 section 1 items 3) and 5) of the Act of 29 August 1997 on the Protection of Personal Data (consolidated text, Journal of the Laws of 2015, item 2135) and Article 815 of the Civil Code;2) you have the right to access and correct your personal data. Processing the data for the purposes other than the aforesaid legally justified purposes of ERGO Hestia or third parties to whom the data is transferred requires your prior consent.2. ERGO Hestia shall not be held liable for the consequences of your failure to give it the information about the circumstances, which were asked about in the insurance contract application form or other communications prior to conclusion of this insurance contract or to give circumstances at variance with the truth.3. The Customer prior to concluding the insurance contract should specifically refer to the contents of all General Terms and Conditions of Insurance, paying particular attention to the sections titled: The subject and scope of insurance, Exclusion of liability, Sum insured and Determination of the extent of the loss and compensation amount/Determination of the extent of the loss and benefit amount, as well as the Common Provisions and Definitions of General Terms and Conditions of Insurance.4. Please note that the definitions of terms used may vary from their typical and common meaning, as well as from the definition contained in the generally applicable provisions of the law.

DEFINITIONS

§ 2The meaning of terms used in these General Conditions of Non-motor insurance of ERGO 7 line is determined in the following definitions:1) antiques - objects of the old art (works of artistic craftsmanship) of historical value, older than 100 years;2) garden architecture - structures located on the property where the insured home or apartment is:a) fences and their components,b) swimming pools, tennis courts, side walks, roads made of concrete slabs, concrete or asphalt paving,c) gazebos, carports, garden lamps, wells, and statues;d) ornamental plants growing on the property or grown in pots on balconies, loggias, terraces,e) playground equipment, swings, garden furniture, barbecues, home and garden tools, pens for animals;3) failure - a malfunction of the device caused by mechanical, electrical, electronic or hydraulic damage, excluding: the necessity to fill in the consumables, current and periodic maintenance, delivery and installation of accessories;

4) luggage - things, located outside the regular place of residence, owned and used by the Insured or their relatives, who run household together, in their everyday life, or things that are owned by the Insured temporarily, if they were rented or granted for use by the employer, legal entity or other organizational unit (excluding individuals), provided that such rental or grant for use were confirmed in writing by the grantor or lender;5) construction - works comprising the erection of a house, apartment, outbuilding or garden architecture, as well as their reconstruction, repair, superstructure, modernization and extension. The construction does not refer to construction works consisting only in the fixtures and fittings and technical devices;6) outbuilding - a building (apart from a greenhouse) which is used for purposes other than residential purposes, as well as a detached garage. The outbuilding comprises:a) foundations, walls, roofs, partition walls without frame construction, external elements: doors, windows with glazing, and widow sills,b) exterior plaster, façades, thermal, damp-proof and sound-proof insulation, stairs, gutters,c) fixtures and fittings,d) technical devices;7) Emergency Centre - organizer conducting assistance services on behalf of ERGO Hestia;8) commencement date - the beginning of insurance period on the first insurance contract concluded with ERGO Hestia; if the insurance period was interrupted, the commencement date is the start date of ERGO Hestia’s liability under the new insurance contract concluded after the interruption of insurance period;9) house - a detached residential building, as well as a separate part of semi-detached or terraced house (including also parts of house belonging to the Insured constituting co-ownership of several persons) together with garage, if it constitutes an integral part of the house.House also includes:a) walls, foundations, roof, terraces, balconies, partition walls without frame construction, external elements: doors, windows with glazing, widow sills, roller-blinds, crates, shutters, awnings;b) exterior plaster, façades, thermal, damp-proof and sound-proof insulation, stairs, gutters,c) fixtures and fittings,d) technical devices;10) works of art - objects of art value, such as:a) original: paintings, collages, frescos, drawings and sculptures and statues made of any material, provided that they are made entirely by the artist, as well as the casts of such sculptures and statues, the number of which is limited to 8 copies and making of them was supervised by the artist or their heirs,b) tapestries and wall textiles made by hand based on original designs provided by artists, provided that their number is limited to 8 items,c) photographs taken by the artists, printed by them or under their supervision, signed and numbered, limited to 30 copies, all sizes and mounts;11) fixtures and fittings - elements mounted or embedded in a house, apartment or outbuilding in a sustainable manner, preventing their separation without the use of tools, in particular:a) internal fittings, mezzanines and partition walls with frame

9EN/KM/OW092/1512

construction, including plasterboard,b) paint coating, all kinds of decorative veneers or linings of ceilings, walls, stairs and floors,c) shower stalls, sinks, tubs, toilet bowls, bathroom and kitchen taps,d) internal elements: doors, windows with glazing and locks, widow sills, shutters, roller-blinds;12) Customer — a natural person concluding the insurance contract (the Policyholder)13) collections — collection of items gathered according to specified criteria, comprising one type of works of art or other collectibles, e.g. paintings, sculptures, coins, post stamps;14) burglary — commitment to or attempt at seizing property from the premises, after prior removal of security by force or opening the entrance using tools, tailored or fake key or the original key held by the offender obtained as a result of a crime; as well as the destruction of the subject of insurance directly related to commitment to or attempt at burglary;15) theft — seizure in order to appropriate; this definition applies only to property forming part of the garden architecture or external elements of the house/apartment;16) lockout — the decision of the owner to close down the workplace, in relation to laying off employees, aimed at forcing them to accept worse working conditions or due to strike;17) insured place — a location of the house or apartment specified in the insurance contract;18) apartment — a part of a multi-family residential building together with:a) appurtenant premises,b) walls, partition walls without frame construction, external elements: doors, windows with glazing, widow sills, roller-blinds, crates, shutters, awnings;c) fixtures and fittings,d) technical devices;19) accident — a sudden event caused by external reason, as a result of which the Insured, regardless of their will, suffered a bodily injury or loss of bodily function, or died.20) malignant prostate cancer — the neoplasm which presents as a malignant tumor (in the prostate gland) with uncontrolled growth and dissemination of malignant neoplastic cells as well as infiltration of the tissues. Classification of malignant prostate tumor needs to be verified by histopathological examination;21) malignant breast cancer — the neoplasm which presents as a malignant tumor (in the mammary gland) with uncontrolled growth and dissemination of malignant neoplastic cells as well as infiltration of the tissues. Classification of the malignant breast cancer needs to be verified by histopathological examination;22) relatives — spouse, unmarried partner, siblings, ascendants, descendants, in-laws, sons-in-law and daughters-in-law, stepfather, stepmother, stepson, adopted and adoptive parent;23) third parties — all persons not involved in the insurance relationship under the insurance contract concluded with ERGO Hestia;24) entitled person — person specified by the Insured or a person specified herein who is entitled to receive the insurance benefit due to the death of the Insured;25) glazing:a) glass windows and doors, interior and exterior,b) glass elements which are a component parts of the furniture or

fixtures and fittings,c) fireplace glass,d) mirrors and stained glass windows, affixed in a permanent manner,e) glass, ceramic or stone wall and ceiling cladding,f) kitchen hobs — ceramic or glass,g) aquaria or terrariums with the capacity of over 100 litres;26) frost cracks — cracking of elements, located outside the insured home, apartment or outbuildings, due to frost;27) appurtenant premises — premises appurtenant to the apartment, which can be a separate property, and which can only be used by the Insured or their relatives, running household together, or a person authorized by them; the appurtenant premises include also the parking space inside the building, where the apartment is;28) loss investigation — carrying out necessary activities to explicitly identify the element, the fault or defect of which was the direct cause of bodily injury or damage to property under the liability insurance.29) flood — flooding of areas as a result of rising water of flowing and standing water, or as a result of rise of sea level of coastal waters;30) overvoltage — a sharp change in voltage in electricity network;31) criminal offence — act of a person prohibited under penalty by the law binding at the time a given act was committed, as a crime or offence, illegal, at fault and socially harmful at a degree higher than infinitesimal;32) robbery — seizure of property by threat of immediate use of force to a person or after making them unconscious or helpless; robbery is also the seizure of property by force in relation to the subject of seizure, which has remained in direct contact, or was related to the Insured;33) personal belongings — things used by the Insured or their relatives, running household together, in their everyday life, or things that are held by the Insured temporarily, if they were rented or granted for use by the employer, legal entity or other organizational unit (excluding individuals), provided that such rental or grant for use were confirmed in writing by the grantor or lender, including:a) clothing and other personal effects,b) equipment: photo, electronic, computing devices and mobile phones,c) musical instruments,d) sports equipment,e) non-registrable wheelchairs and medical and rehabilitation equipment,f) owned in line with the provisions of law, batch production weapon of all kinds,g) computer software,h) jewelry, watches, products made of gold, silver, precious stones and pearls, as well as platinum and other metals of platinum group, cash;34) extreme sports — base jumping, canyoning, heli body flying, skiing and snowboarding outside of blazed trails, parkour, freediving, cave diving, wreck diving, under ice diving, scuba diving (below 40 m), rafting, speleology, skeleton, full-contact martial arts (including boxing), all air and motor sports, all sports performed in mountain rivers, mountain climbing, zorbing, high-sea sailing;The definition of extreme sports comprises also participation in

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expeditions to the following places, which are known for their extreme climatic and natural conditions: desert, high mountains (above 5300 m above sea level), bush, pole, jungle, as well as glacial and snowy areas requiring the use of safety or security equipment;35) high-risk sports — aerodrium, cross country skiing, biathlon, bmx, bob sleigh, grass boarding, heliskiing, ice hokey, house running (rap sliding), hydrospeed, american football, canoeing, kite surfing, mountain cycling, body building, athletics (apart from running), asphalt surfing, water skiing — barefoot skiing, alpine skiing, technical diving, football, water polo, sled dog racing, paint-ball, parasailing, scuba-diving (up to 40 m), rugby, rock boarding, sandboarding, scad diving, jet skies, luge, snowboard, skijoering, ski jumping, squash, equestrian sports, water jumping, bungee jumping, contactless martial arts (including boxing), tree climbing, rock climbing, sailing (excluding high-sea sailing);36) sailing equipment — rowing boats, racing rowing boats, canoes, water bicycles, surfing and windsurfing boards, jet skis, rubber dinghies, sailing yachts with sail area of 10sq m, motor yachts with engine of 5 kW of power;37) loss — caused directly by a peril covered by the insurance contract: non-pecuniary consequence of an event or damage to property;38) terrorism — illegal actions organized due to ideological or political reasons, individual or group, directed against people or objects in order to bring in chaos, to intimidate people and disorganize the public with the use of violence in order to achieve political or social objectives;39) Insured — the natural person to whose account the Customer has concluded the insurance contract;40) stroke — cerebrovascular accident that was diagnosed and confirmed with such medical imaging techniques as: CT (computer tomography), MRI (Magnetic Resonance Imaging), PET (Positron Emission Tomography), consisting of:a) infarct of cerebral tissue orb) intracranial or subarachnoid hemorrhage, orc) embolism from extracranial sources, and that caused the sustained neurological deficits lasting for longer than 3 months (the existence of permanent neurological defects should be confirmed by specialist in neurology);41) excess — amount specified in the insurance contract, by which ERGO Hestia decreases the compensation;42) technical devices — devices enabling the use of house, apartment or an outbuilding, installed or in-built in a permanent manner and consistent with their destined use:a) utility connections, heaters of any kind, completed installations,b) devices used for treatment and collecting trash and sewage,c) air conditioning and ventilation systems,d) solar batteries and panels, photovoltaic cells, lightning protector installation,e) alarm and monitoring devices and systems, water supply and sewage systems, electricity, gas or heating (including fireplaces),f) antennas, intercoms, videophone, cameras;43) vandalism — the deliberate destruction of or damage to insured property by third parties;44) cash values — gold and silver coins that do not constitute means of payment, non-utility items: silver, gold, platinum in scrap and bars, precious, semi-precious, synthetic stones, pearls, amber, coral, as well as checks, bills of exchange, bonds, shares, bills of

lading, letters of credit, payment cards and other documents, replacing cash;45) replacement value — the value reflecting the costs of reproducing the property to a new yet not improved state, that is:a) for the houses, outbuildings, garden architecture — the construction cost on the same site, including comparable technology, structure and finishing standard, using existing dimensions and materials;b) for an apartment, furnishing, personal belongings, glazing, luggage — the purchase price or sales cost of a new item of the same or a comparable brand, the same or most comparable brand and installation costs;46) market value — value corresponding the purchase price on the local market;47) market value of apartment — the value corresponding to the product of the floor area of an apartment multiplied by the average market price of 1 sq m, occurring in a given town or city or district in relation to homes of similar characteristics and standard of finish;48) actual value — replacement value less technical wear and tear;49) competitive sports — practicing of a sport discipline in a registered section, sports club or sports organization in order to achieve maximum results, consisting of regular participation in training, competitions and tournaments;50) furnishing — decorative elements and household appliances and other property necessary to run household, such as:a) furniture (including built-in),b) mechanized equipment and household appliances,c) audiovisual equipment and electronics,d) household items,e) household supplies;51) electronic lock — locking enabling the access to a room with a smart card or code, used only for entrance to the place of residence of the Insured, made available only to the Insured and to people residing with them, and authorized domestic staff;52) multipoint lock — a lock which bolts the door into the frame in several distant places53) multi-tumbler lock — lock which has more than one groove perpendicular to the shaft on the blade;54) riots — violent demonstrations or hostile actions directed against the government aimed at the change of existing legal framework;55) myocardial infarction — explicitly diagnosed partial myocardial necrosis resulting from acute ischemia, which caused the coinciding symptoms such as:a) typical angina identified in the patients medical history;b) new changes in electrocardiography, previously not diagnosed, typical of recent myocardial infarction;c) increase in the activity of heart biomarkers typical of recent myocardial infarction;d) significant decrease in ejection fraction of the left ventricle (according to the measurement within at least 3 months of the date of event) or new segmental disturbances in the contractility of heart wall in the imaging examinations;56) dangerous professions — work in the military formations (except for office work), work in the uniformed services (except for office work), construction works associated with demolition, work at the height above 15 m, work at the construction of scaffolding, underwater works, fishing, work on ship, in mining industry (workers

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employed at platforms, mining) as well as stunt, acrobat, circus artists, fire fighter, mountain rescuer, secret service worker, cash transport guard;57) increased risk professions — professions involving physical works, that is: industrial worker, operator or machine and device assembly worker, farmer, gardener, forester, driver, construction and repair worker; performing activities with dangerous tools such as: hammer drill, mechanical saws, jackhammers, sawing machines and mechanical grinders, machining tools; performing activities at the height above 5 m and the activities with paints, lacquers, liquid fuels and dissolvents, technical and fuel gases, hot technical oils or technical liquids;58) fortuitous event:a) rescue operations — actions taken to prevent loss threatening directly or to mitigate its effects, provided that these measures were appropriate to the circumstances,b) smoke and soot — suspension of particles in gas being a direct result of:1/ combustion, which suddenly emerged from devices placed in the insured location, used according to their intended purpose and technical regulations;2/ fire, explosion, overvoltage caused by lightning, and overvoltage regardless of the site of their origin;c) hail,d) sonic bang,e) hurricane — wind of at least 15 m/sec., causing massive damage,f) avalanche — a sudden slipping or sliding of masses of snow, ice or rocks from the mountain slopes,g) snow pressure — direct pressure of snow or ice on the insured property and falling down of a neighbouring property as a result of the pressure of snow or ice causing the damage or collapse of property,h) landslide,i) fire,j) overvoltage caused by lightning,k) surface water flow,l) earthquake,m) lightning,n) vehicle collision,o) falling tree,p) falling mast,q) falling aircraft,r) explosion,s) flooding — the presence of liquids in an apartment, a house or a building being a result of:1/ precipitation,2/ escape of water, steam or liquids due to damage to the water supply, sewerage or heating systems,3/ escape of water from household appliances as a result of their failure,4/ withdrawal of water or sewage from public sewerage facilities,5/ accidental and inadvertent taps or other valves in other devices in the system left open, specified in item 2/,6/ operation of third parties,7/ escape of water from a broken or cracked aquarium,8/ automatic restart of the sprinkler or spray systems except for

cases resulting from fire, testing, repairs, reconstruction, upgrading of the installation or building,In Luggage Insurance, flooding is the liquid damage to insured luggage and cash resulting from the aforementioned causes;t) ground subsidence — reduction of ground level due to the collapse of empty space in the ground occurring without human intervention;59) event:a) destruction or damage — in the Property Insurance against Fire and Fortuitous Events and in SOS Assistance Insurance,b) loss, destruction or damage — in the Property Insurance against Burglary, in insurance of garden architecture against theft, in Luggage Insurance, in Home Assistance Insurancec) accident — in Personal Accident Insurance,d) death, bodily injury or loss of bodily function, or destruction of or damage to property — in the Third-party Liability Insurance,e) loss of bodily function or bodily injury — in Medical Assistance Insurance;60) domestic animals — animals usually bred by people and kept at home or in the backyard: dogs, cats, birds, rodents, aquarium fish, horses, apart from animals bred for commercial and economic purposes.

COMMON PROVISIONS

GENERAL EXCLUSIONS

§ 31. ERGO Hestia shall not be liable:

1) for losses caused intentionally by the Insured or a person with whom the Insured lives in the same household;2) for losses caused by the Insured due to gross negligence, unless the payment of compensation is equivalent to the circumstances of equity;3) for loss caused by landslides, earthquakes, falling trees or masts, resulting from human activities;4) if the Insured caused the loss under the influence of alcohol or intoxicated, under the influence of drugs or other intoxicants or medication with a similar effect, unless the Insured’s condition had no bearing on the loss;5) for events caused by acts of war, martial law, state of emergency, riots, revolts, civil unrest, strikes, lockouts or acts of terrorism and sabotage, as well as confiscation, nationalization, requisition or detention of property by the authorities and events resulting from the nuclear or radioactive contamination, laser and maser rays and magnetic and electromagnetic fields.2. The exclusions mentioned in section 1 item 1)–3) do not apply to Personal Accident Insurance.3. Exclusion of losses caused due to gross negligence and referred to in section 1 item 4) do not apply to Personal Liability Insurance in a private life.4. Insurance coverage does not comprise damage to property, which became the possession of the Insured or their relatives as a result of crime.

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INSURANCE PREMIUM

§ 41. The amount of the premium shall be determined on the basis of ERGO Hestia’s tariff in force on the date of conclusion of the insurance contract.2. The amount of the premium depends, subject to the provisions of § 5–6 below, on:1) risk level assessed in the application scope of insurance,2) premium payment method (i.e. whether it is a single or recurring premium),3) insurance period and variant,4) the amount of sum insured,5) the record of insurance contracts concluded in ERGO Hestia.3. The dates of payment of subsequent instalments and their amounts are determined in the insurance contract.

§ 5In addition to the provisions of § 4:1) in Property Insurance, the amount of additional premium depends on:a) the extension of coverage over flood, taking into account the period of insurance coverage and the probability of flooding in the insured location,b) the regional area, where insured location is situated, and discounts for anti-theft systems;2) in the Personal Liability Insurance, the amount of premium depends on the number of insured adults;3) in Personal Accident Insurance, the amount of premium depends on the age of the Insured, type of sport they play or profession they practice and the number of insured persons.

CONCLUDING THE INSURANCE CONTRACT ON SOMEONE ELSE’S ACCOUNT

§ 61. The Customer may enter into a insurance contract on someone else's account (on the account of the Insured).2. ERGO Hestia may request premiums only from the Customer, but it may raise the allegation affecting its liability also against the Insured.3. The Insured has the right to request a due payment directly from ERGO Hestia, unless the Parties agreed otherwise. Such an arrangement cannot be made, if the event has already occurred.4. The Insured may request ERGO Hestia to provide them with information about the provisions of the concluded insurance contract and General Terms and Conditions insofar it refers to their rights and obligations.5. If the insurance contract is concluded on someone else’s account, the Customer undertakes to provide the General Terms and Conditions of Insurance to the Insured. If the Insured consents to pay for a premium, the Customer shall provide the Insured with the General Terms and Conditions of Insurance prior to obtaining their consent. The Insured shall confirm the receipt of General Terms and Conditions of Insurance in writing. The Customer shall provide the document comprising such confirmation to ERGO Hestia.

INSURANCE PERIOD AND INDEMNITY PERIOD

§ 71. Liability of ERGO Hestia starts on the date and time specified in the insurance contract as the commencement of insurance period, provided that the premium or its first instalment is paid on the date specified in the insurance contract, subject to the risk of flood, in which case the coverage commences as per § 3 section 2 of the General Terms and Conditions of Property Insurance.2. If Ergo Hestia is liable before the payment of premium or first instalment, and the premium is not paid in a timely manner, ERGO Hestia terminates the insurance contract with immediate effect and demands payment of premium for the period in which the insurance coverage was provided.In the absence of termination, the insurance contract shall be surrendered at the end of the period for which the premium was not paid.3. Liability of ERGO Hestia is limited to the end of insurance period, unless the insurance contract is terminated earlier.4. The Personal Accident Insurance Contract may be concluded for a period of one year, as well as for less than one year (short-term contract).

§ 81. Payment of the amount lower than the one specified in the insurance contract shall not be considered as payment of the premium or subsequent premium instalment.2. If premiums are paid in instalments, failure to pay subsequent instalment within the specified deadline leads to cessation of ERGO Hestia’s liability only when ERGO Hestia sends to the Customer, after the lapse of that deadline, a notice for payment of the premium in the specified amount, warning that failure to pay the amount within 7 days from the date of receipt of the notice shall result in cessation of liability.3. If payment is made via bank transfer or postal order, the payment date is the date when the payment was ordered in the bank or at the post office, provided that, when paying with a bank transfer, there were enough funds on the Customer’s account; otherwise the payment date is the date when specified transfer amount is credited to ERGO Hestia bank account.

§ 9In Personal Accident Insurance, the Customer may terminate the insurance contract at any time with immediate effect.

CLAIM PROCEDURE

§ 101. The Insured is obliged to notify ERGO Hestia about the event immediately after it occurred or upon learning about it.2. Notification may be made:1) through an online form available at: www.ergohestia.pl or2) by calling on: 801 107 107 or 58 555 5 555.3. In the case of intentional breach or gross negligence in relation to the obligation of immediate notification referred to in section 1, ERGO Hestia may reduce the compensation or benefit by relevant

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amount, only if the breach contributed to extending the scope of loss or prevented ERGO Hestia from determining the circumstances and consequences of the event.4. The obligations of the Insured comprise:1) providing ERGO Hestia with documentation necessary to investigate claim listed by ERGO Hestia in the notification sent to the applicant or notifying ERGO Hestia immediately about inability to provide such documentation;2) informing the local Police immediately about every event which could occur as a result of a crime or offence (including vandalism) and receiving written confirmation of submitting such notification;3) inform immediately the building administrator about any event of flooding of the apartment;4) leaving the site where the event occurred untouched until the representative of ERGO Hestia arrives, unless it is necessary to safeguard the remainder property or to decrease the extent of loss; ERGO Hestia cannot refer to this provision if, for reasons attributable to it, it did not start claim adjustment process within 7 days upon receipt of the notification about the event,5) adherence to ERGO Hestia recommendations and providing information and authorizations to the extent necessary for the proper claim adjustment.5. ERGO Hestia shall verify the submitted receipts, cost estimates and other documents and consult experts.6. If criminal proceedings were initiated against the person who caused the event, or if the aggrieved party pursues claims for compensation in court, the Insured is obliged to notify ERGO Hestia immediately.

§ 11Notwithstanding the obligations set forth in § 10, in the case of Personal Accident Insurance, if the event occurs, the Insured is also required to:1) undergo treatment and follow recommendations to mitigate the effects of an accident;2) undergo examination carried out by physicians or undergo possible clinical monitoring;3) release physicians, public and private health care establishments and Social Insurance Institution (ZUS), to the extent necessary to investigate the claim, from the confidentiality obligation and agree to provide ERGO Hestia with the documentation of treatment.

§ 121. Regardless of the obligations specified in § 10 of Personal Liability Insurance, the Insured is obliged to refrain from activities aimed at the satisfaction of the aggrieved party, acceptance of claim or reaching a settlement, until a written approval is received from ERGO Hestia.2. If criminal proceedings were initiated against the person who caused the event, or if the aggrieved party pursues claims for compensation in court, the Insured is obliged to notify ERGO Hestia immediately.3. The Insured is obliged to submit the court decision to ERGO Hestia within a period enabling ERGO Hestia to make a statement with regard to lodging an appeal.

§ 13If the Insured, due to willful misconduct or gross negligence, fails to meet obligations specified in § 10 sections 4 and 6 and §§ 11–12, ERGO Hestia will refuse to pay full or partial compensation for the resulting loss, provided that such failure had a bearing on the occurrence or extent of loss, determination of causes of event, its circumstances and the amount of compensation and it is connected to the resulting loss.

THE PAYMENT OF COMPENSATION OR BENEFITS

§ 141. The sum insured determined in the insurance contract is the liability cap of ERGO Hestia with respect to all events occurring in the insurance period.2. If the sum insured is exhausted, the insurance contract is terminated with respect to the given risk.3. With the permission of ERGO Hestia, the Customer may supplement the sum insured by completing new insurance application and paying additional premium.

§ 151. ERGO Hestia pays the compensation or benefit within 30 days from the date of receiving notification about the event.2. If it is impossible to clarify the circumstances necessary to establish liability of ERGO Hestia or the amount of compensation or benefit within the period indicated in section 1, the compensation and benefit should be paid within 14 days from the date when these circumstances may be clarified with due diligence. ERGO Hestia pays the indisputable part of compensation or benefit within 30 days.3. If the Insured has benefited from advance compensation specified in the General Terms and Conditions Assistance ERGO 7, the compensation due will be paid less the advance compensation.4. The compensation paid by ERGO Hestia may not be higher than loss incurred.

TERMINATION OF THE INSURANCE CONTRACT

§ 161. If the insurance contract is concluded for a period exceeding 6 months, the Customer shall have the right to withdraw from the insurance contract within 30 days, and if the Customer is an entrepreneur — within 7 days from the date of conclusion of the insurance contract. If ERGO Hestia does not provide the Customer, who is a consumer, with an information about his right to withdrawal at the latest as at the date of conclusion of the contract, the 30-day period shall commence on the date when the Customer, who is a consumer, learns about such right.2. A consumer who concluded a distance insurance contract may withdraw from the contract within 30 days from date of notification about the conclusion of the insurance contract or from the date of confirmation of the information referred to in Article 39 section 1 of Act of 30 May 2014 on Consumer Rights, whichever date is later. The time limit is considered observed, if the declaration is sent before the lapse thereof.3. Withdrawal from the insurance contract shall not release the Policyholder from the obligation to pay the premium for the period, during which ERGO Hestia provided the coverage.

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4. The Customer may file the withdrawal notice as specified in § 19.5. In the event that the subject of insurance is sold, rights arising from the insurance contract may be transferred to the transferee of the subject of insurance. The transfer of such rights requires ERGO Hestia’s consent.6. In the event of transfer of the rights referred to in section 5, the obligations of the transferor shall also be transferred to the transferee of the subject of insurance. Despite the transfer of obligations, the transferor is jointly and severally liable for the payment of the premium allocated by the time the insurance subject is transferred to the transferee.7. If the rights referred to in section 5 were not transferred to the transferee of the subject of insurance, the insurance relationship shall be terminated upon the transfer of the subject of insurance to the transferee.8. The provisions of sections 5–6 do not apply to transfer of liabilities that arose or may arise as a result of the occurrence of an accident stipulated in the insurance contract.

INSURANCE SUBROGATION

§ 171. The Insured is obliged to secure the possibility to assert claims for damages against persons responsible for the loss.2. If the Insured waives all or part of their rights against the person who caused the loss without the consent of ERGO Hestia, ERGO Hestia may refuse to pay compensation in whole or in the part subject to the waiver, and if the compensation was already paid, it may seek reimbursement of the amount corresponding to the whole or to the part with respect to which the Insured has waived those rights, respectively.

FINAL PROVISIONS

§ 181. The Customer, the Insured or the entitled person under the insurance contract, who is an individual, may raise objections as to the services provided by ERGO Hestia (a complaint):1) through an online form available at: www.ergohestia.pl;2) by calling: 801 107 107 or 58 555 5 555;3) in writing — at the address of the registered office of Sopockie Towarzystwo Ubezpieczeń ERGO Hestia SA, ul. Hestii 1, 81-731 Sopot;4) orally or in writing — during a visit at a business unit of Sopockie Towarzystwo Ubezpieczeń ERGO Hestia SA.2. Complaints shall be processed by an organisational unit established for this purpose by ERGO Hestia Management Board.3. A reply to a complaint shall be sent within 30 days from receiving the complaint in writing or via any other permanent data carrier, or by e-mail if so requested by the complainant.4. In particularly complex cases which prevent the investigation of a complaint and reply within the time limit determined above, the reply will be sent within 60 days from the date of its receipt.5. Persons listed in section 1, in non-standard cases, may refer to ERGO Hestia’s Customer Ombudsman through the online form available at: www.ergohestia.pl.

6. A person entitled under the insurance contract, which is an individual, may refer the matter to be examined by the Financial Ombudsman.

§ 191. Notices and statements of the Customer and ERGO Hestia should be made in writing, subject to section 3.2. The Customer and ERGO Hestia shall be obliged to inform each other about the change of the address of place of residence or registered office.3. In the insurance contract, the Customer and ERGO Hestia may decide that their notices and statements can be delivered also by e-mail, text messages, fax or telephone to the addresses and telephone numbers specified in the insurance contract. Delivery of notices and statements in these forms may be introduced at any time, at the request or with the consent of the Customer and together, along with the information about their address and telephone number.

§ 201. Insurance contracts are concluded under the provisions of Polish law.2. Disputes arising from the insurance contract are heard under the Polish law and claims may be sought before courts competent with respect to their general competence, or courts competent for place of residence or registered office of the Customer, the Insured or the person entitled under the insurance contract. A legal action may also be brought either in accordance with the provisions on general jurisdiction or to the court competent for the place of residence of an heir to the Insured or an heir to beneficiary under the insurance contract.3. The parties may decide to refer disputes to arbitration court.

§ 21Common Provisions shall enter into force as of 24 January 2016 and shall apply to insurance contracts concluded as of this date.

President of the Management Board

Piotr Maria Śliwicki

Member of Management Board

Adam Roman

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II. General Terms and Conditions of Property Insurance

CODE: C-E7-M-01/15

The insurance contract is concluded on the basis of the General Terms and Conditions of Property Insurance and Common Provisions and Definitions for Non-motor Insurance ERGO 7 (Common Provisions).

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The following table contains information on which provisions of the concluded General Terms and Conditions of Property Insurance govern the issues listed in Article 17 section 1 of the Act of 11 September 2015 on insurance and reinsurance activity.





Property § 1, § 2, § 3, § 4 § 5, § 6, § 11, § 12 section 5, § 14, § 15

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SUBJECT AND SCOPE OF INSURANCE COVER

§ 11. The subject, option and scope of insurance are selected by the Customer.2. Depending on the choice, the insurance covers the loss, destruction or damage to property resulting from the events given in the table below:

Insurance option I II III

Object of insurance

• apartment• house• outbuilding

• apartment• house• outbuilding• furnishing• personal belongings

• apartment• house• outbuilding• furnishing• personal belongings• antiques, works of

art, collections• garden architecture

Insurance against Fire and Other Fortuitous Events — causes of events

Fortuitous events yes yes yes

Overvoltage no yes yes

Frost cracks, includes:• house• apartment• outbuilding

no no yes

Breakage or cracking, concerns glazing no no yes

Insurance against Burglary — causes of events:

Burglary yes yes yes

Robbery yes yes yes

Vandalism no yes yes

Theft relates to:• garden architecture• external elements of the house/apartment

no no yes

Additional benefits — costs coverage

Loss investigation — in Insurance against Fire and Fortuitous Events

no yes yes

Changes of security devices — in Insurance against Theft yes yes yes

Removing the loss remainder yes yes yes

Appointment of appraisers yes yes yes

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§ 21. The outbuilding and garden architecture can be covered by insurance if:1) at the same time the house or apartment is covered and2) the outbuilding and parts of garden architecture are on the same property, where the insured home or apartment is located.2. Antiques, works of art, collections catalogued and valued by the appraiser at the Customer cost may be covered only if they are located in the insured house or apartment in which the furnishings and personal belongings are insured.3. Personal belongings and furnishings are covered by insurance if they are located in the house or apartment indicated in the insurance contract, including in the appurtenant premises, except for the parking space.

§ 3At the Customer’s request and upon payment of additional premium, the coverage under Property Insurance against Fire and Fortuitous Events shall be extended to losses resulting from floods. The insurance period and the period of coverage start on the 31 day starting from the date of conclusion of the insurance contract. This provision shall not apply in cases of uninterrupted continuation of insurance in Ergo Hestia with respect to floods.

§ 41. ERGO Hestia shall reimburse the cost of loss investigation only if it is liable for the loss under the insurance contract.2. The costs of loss investigation comprise the costs of labour and materials necessary to identify and reach the damaged component, and to remove the effects of these actions (to restore the state before the loss).3. If the Insured or their relative running a household together with the Insured lose their keys used for opening securities, ERGO Hestia shall refund the documented costs incurred to replace these securities.

EXCLUSIONS OF LIABILITY

§ 51. Except for § 3 of the Common provisions, the insurance does not cover losses:1) in facilities under construction: houses, apartments, outbuildings, garden architecture, as well as nearby fixtures and fittings, furnishing or personal belongings, if the loss was a result of the construction works;2) in furnishing, personal belongings or antiques, works of art and collections, located in loggias, on balconies and terraces;3) in buildings, equipment and installations subject to demolition;4) due to defects in the electrical system, without commissioning confirmed by technical condition assessment of the installations in buildings not older than 5 years;5) as a result of flooding with water from precipitation, if the occurrence of the loss was due to bad technical condition of the roof or other elements of the building;6) resulting from improper installation or manufacturing defect in the subject of insurance.2. Moreover, the insurance does not cover losses:1) occurring in monetary values, documents, manuscripts, plans,

archives, stamp collections, coin collections;2) hunting trophies;3) data on carriers of all types;4) in property acquired for resale;5) in property used for the purposes of commercial, service or production activity, apart from property purchased by the Insured, who is a sole trader, and property lent to the Insured by their employer;6) antiques, works of art and collections, computer, audio-visual, photo and electronic equipment stored in appurtenant premises and outbuildings;7) garden architecture and technical devices of value lower than PLN 200;8) losses occurring during installation or dismantling of the subject of insurance, conducting maintenance or repair works, as well as resulting from a manufacturing defect.3. Additionally, the insurance does not cover losses occurring as a result of:1) systematic (i.e. regular and repetitive) influence of noise, vibration, smoke, temperature, water or other weather conditions;2) freezing of water in devices and installations, including flooding caused by the freezing of water;3) emission, leaking or other form of penetrating the air, water or soil by hazardous substances;4) ground settlement and influence of underground waters, unless they are the result of flood and additional cover against flood has been taken into account;5) damp or flooding caused by leaks from water and sewage system, windows, roof, walls or devices discharging water from the roof, walls, terraces and balconies, if their maintenance was one of the obligations of the Insured, who with ordinary care should have known about leaks resulting from it or if, knowing about the existing negligence in this regard, did not refer in writing to the owner or administrator of the building to request its removal.4. The insurance does not cover losses due to dry/wet rot or property freezing, regardless of the cause.5. The glazing insurance does not cover losses consisting in stains, change of colours, scratches, scrapes or surface chip-offs of the subject of insurance.

SUM INSURED

§ 61. It is the Customer who determines the sum insured and gives it to Ergo Hestia.2. The basis for its determination is:1) the market value as at the insurance contract date — for works of art, antiques and collections, plants covered as parts of garden architecture;2) replacement value — for furnishing, personal belongings, garden architecture and apartment, subject to § 12 section 4;3) replacement value — for homes or outbuildings, subject to item4) replacement value — for:a) house not older than 50 years or in the case of which the roof, as well as façades were replaced or underwent major renovation within the last 50 years;b) outbuilding not older than 30 years or in the case of which the roof, as well as façades were replaced or underwent major

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renovation within the last 30 years; otherwise, the sum insured is determined on the basis of actual value.3. Sum insured for outbuildings is determined jointly for all outbuildings situated on the property.4. If during the period covered by the insurance contract there is an increase in value of the covered property, the Customer may report it by Ergo Hestia and upon the reception of permission increase the sum insured by paying an additional premium.

OBLIGATIONS OF THE CUSTOMER AND THE INSURED

PROPERTY PROTECTION

§ 71. The Insured is obliged to ensure proper safeguarding of the property, which shall include compliance with applicable provisions concerning the protection, storage and use of the property and aiming at the prevention of loss.2. The Insured shall comply with applicable provisions concerning fire protection, construction and use of technical devices and performance of technical supervision, with recommendations and requirements of manufacturers or suppliers of such devices and with other provisions aiming at the prevention of loss, as well as to requirements set forth in the insurance contract, subject to section 3. The Insured is obliged to take care of maintenance of cables and devices supplying and discharging water, steam or liquids and use appropriate protective measure timely as to secure these cables and devices against frost.4. For buildings not older than 5 years, the Customer shall have commissioning confirmed with technical condition assessment of the electrical system.

MINIMUM REQUIREMENTS FOR PROTECTION OF THE PROPERTY AGAINST BURGLARY

PROTECTION OF DOORS, WINDOWS AND OTHER EXTERIOR OPENINGS

§ 8Windows, balcony doors, patio doors of balcony door design and other exterior openings are properly mounted and secured as to prevent theft, with the exception of openings on the storeys above the ground floor, where they cannot be accessed from balconies, roofs, extensions, patios, stairways and fixed ladders below or next to them, neither from the roof located above — in the case of openings situated on top storey.

CONSTRUCTION AND PROTECTION OF EXTERIOR DOORS

§ 91. Doors, windows and other exterior openings are properly mounted and secured as to prevent theft, with the exception of openings on the storeys above the ground floor, where they cannot be accessed from balconies, roofs, extensions, patios, stairways and fixed ladders below or next to them, neither from the roof located above — in the case of openings situated on top storey.

2. All entrances to the apartment (including appurtenant premises), house or outbuilding are secured with full exterior doors (or doors containing glass elements, provided that the lock cannot be opened or the apartment, house or building cannot be entered as a result of damage to such glass elements).3. Exterior doors to the apartment, house or building are locked with at least:1) two multi-tumbler locks or one multi-tumbler lock in the case of doors with increased burglar-resistance confirmed with a certificate of manufacture in accordance with burglar-resistance class (certificates must be issued by an institution authorised by the Polish Centre for Accreditation) or2) one certified lock, or3) multipoint lock, or4) two multi-tumbler padlocks, or5) one multi-tumbler lock or one lock opened by means of a complex access code other than a key (a magnetic card, digital code, biometrical reader, e.g. finger prints, iris, etc.) — only in the case where the insured property is located in the apartment or house in which continuous supervision is performed or in an apartment equipped with active anti-theft signal and alarm system.4. If a garage is located in the body of the building, a multi-tumbler padlock, electric locking system or other security system with burglar-resistance class shall be considered sufficient protection of the garage gate.5. In the event that entrance to the outbuilding or appurtenant premise is secured by doors locked with:1) one multi-tumbler lock;2) a multi-tumbler padlock;3) an electric locking system or other security system with burglar-resistance class; liability of ERGO Hestia for theft in such buildings or premises shall be limited to 20% of the sum insured in respect of the given category of items.

KEYS PROTECTION

§ 10The keys to the locks and padlocks are in sole possession of the Insured, their relatives and other authorized persons.

ASSESSMENT OF THE AMOUNT OF LOSS AND COMPENSATION

§ 11If the Insured, due to willful misconduct or gross negligence, fails to meet obligations specified in §§ 7–10, ERGO Hestia will refuse to pay full of partial compensation for the resulting loss, provided that such failure had an influence on the occurrence or extent of loss, determination of causes of event, its circumstances and the amount of compensation, and it is connected to the resulting loss.

§ 121. In the case of damage to property insured, the extent of loss and the amount of compensation are determined by ERGO Hestia according the prices binding as at the date of occurrence of loss, according to the costs of renovation or repair, based on:a) receipt (invoice) of contractor together with the cost estimate attached to the receipt (invoice), orb) calculation of the aggrieved party, who has removed or intends to

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remove the loss with his own resources, orc) calculation by ERGO Hestia on the basis of publicly available contractor estimators used in property maintenance and repairs.2. ERGO Hestia verifies receipts, invoices, calculations and other documents confirming that the repair costs were incurred by the Insured, with respect to the scope of works and the amount of costs, based on publicly available contractor estimators used in renovation and repairs.3. In the event of damage to the property insured (except for apartment), if it cannot be renovated or repaired, the amount of loss is determined based on guideline adopted in § 6 section 2 for determination of sum insured.4. If the apartment was damaged in a way that irreversibly prevents from living in it, ERGO Hestia shall determine the amount of compensation as at the date of occurrence of the loss in accordance with the market value of the apartment.5. The amount of compensation shall be decreased by the salvage value of the damaged or destroyed property that may be suitable for further use, processing or sale.

§ 13With regard to the part of house constituting co-ownership of several persons (with the exception of joint property of spouses), the amount of compensation is a share in loss determined on a pro rata basis to the share of the Insured in the ownership of entire house.

§ 141. Liability cap of ERGO Hestia amounts to:1) for decorative plants insured within the framework of property architecture — PLN 10,000,2) for the cost of loss investigations — PLN 10,000, provided that due to the costs of repair of the item, the failure of which was the cause of the damage, ERGO Hestia is liable within the limits of the aforementioned sum insured up to PLN 500 for each damaged item,3) for costs of replacement of securities — PLN 500.2. The compensation is paid up to amount corresponding:1) in Variant II:a) to 5% of the sum insured for personal belongings, but not more than PLN 1,000 — for cash,b) to 40% of sum insured for personal belongings — for jewelry, products made of gold, silver, gems and pearls, as well as platinum and other platinum-group metals,c) to 10% of the sum insured in respect of a given item in case of losses caused by vandalism in all subjects of insurance,d) in the case of Insurance against Fire and Fortuitous Events — to 5% of the sum insured for furnishing, personal belongings — for property stored in the appurtenant premises,2) in Variant III:a) to 10% of the sum insured for personal belongings, but not more than PLN 1,500 — for cash,b) to 50% of sum insured for personal belongings — for jewelry, products made of gold, silver, gems and pearls, as well as platinum and other platinum-group metals,c) to 20% of the sum insured in respect of a given item in case of losses caused by vandalism in all subjects of insurance,d) for losses in glazing caused by cracking or breaking — 5% of sum insured of house, apartment, outbuilding or furnishing insurance,e) in the case of Insurance against Fire and Fortuitous Events

— to 10% of the sum insured for furnishing, personal belongings — for property stored in the appurtenant premises,f) for damage due to frost cracks — 10% of sum insured of house, apartment, outbuilding,3) to 50% of the sum insured in respect of a given item in case of losses caused by overvoltage in all subjects of insurance,3. Within the sums insured in respect of particular items the insurance covers:1) the costs of appointing the insurance appraisers — if ERGO Hestia agreed to such appointment,2) costs of post-loss clean-up — in the range of up to 5% of the amount of loss. 4. For plants forming a part of garden architecture, the market value of the same species of plant, however not older than 10 years.

§ 15If the Customer makes use of discount for anti-burglary securities and this security was malfunctioning when the loss occurred, it was removed earlier or it was not turned on due to willful misconduct or gross negligence of the Insured, the compensation shall be decreased by excess of 10%, if lack of the security had a bearing on the occurrence or the extent of loss.

§ 16While determining the amount of loss, the following is not taken into account:1) scientific, collector’s, historical or memorial value, however, this exclusion does not cover works of art, antiques, collections;2) costs resulting from unavailability of spare parts and materials necessary to restore the condition existing before the loss, if repair can be made with the use of other replacement parts or materials available on the market;3) costs incurred for disinfection of the remainder after loss, removal of soil, water and air contamination and soil rehabilitation.

§ 17If after the payment of compensation the Insured received the lost items back, they are obliged to return immediately to ERGO Hestia the payment made as compensation or renounce the title to them on behalf of ERGO Hestia.

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FINAL PROVISIONS

§ 18The method of determining and payment of premium, period of insurance and the period of liability of ERGO Hestia, rights and obligations of each Party to the insurance contract, method of payment of compensation are determined in the Common Provisions.

§ 19General Terms and Conditions of Insurance shall enter into force as of 24 January 2016 and shall apply to the insurance contracts concluded as of that date.




Adam Roman

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III. General Terms and Conditions of Personal Accident Insurance

CODE: C-E7-NNW-01/15

The insurance contract is concluded based on the General Terms and Conditions for Personal Accident Insurance and Common Provisions and Definitions for Non-motor Insurance ERGO 7 (hereinafter referred to as the General Provisions).

23EN/KM/OW092/1512

The following table informs which provisions of the General Terms and Conditions of Personal Accidents Insurance govern the issues listed in Article 17 section 1 of the Act of 11 September 2015 on insurance and reinsurance activity.





Personal Accidents§ 1 sections 1, § 1 sections 3–4, § 4 section 1, § 4 sections 6–8

§ 1 section 2, § 2, § 3, § 4 sections 3–4, § 4 section 9, § 5, § 6 section 2, § 7 section 2

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§ 11. The scope of insurance includes personal accidents suffered by the Insured, subject to exclusions specified on the General Terms and Conditions and § 3 of Common Provisions.2. The Insured may only be a natural person, who on the first day of the insurance period is less than 65 years of age.3. Depending on the variant selected by the Customer, Ergo Hestia pays benefits specified in the table below:

Options I II III

Personal accident benefits

Death of the Insured yes yes yes

Permanent disablement by the Insured yes yes yes

Daily hospital allowance no yes yes

Medical and rehabilitation expenses no yes yes

Total and permanent incapacity to work no no yes

Illness benefits

Myocardial infarction or cerebral stroke no yes yes

Occurrence of breast or prostate cancer no no yes

Extension of insurance scope

Competitive sports payment of additional premium

High-risk sports payment of additional premium

Increased risk professions payment of additional premium

4. Benefits specified in the table are paid in the following manner:1) benefit upon the death of the Insured — payment of 100% of sum insured;2) benefit due to permanent disablement of the Insured — lump-sum payment corresponding to a percentage of sum insured determined in accordance with Table 1, constituting Appendix 1 to the General Terms and Conditions of Insurance;3) daily hospital allowance — payment of PLN 100 for each day of stay of the Insured in the hospital.This payment applies to the cases of uninterrupted stay longer than 4 full days, however not longer than 90 days, if the stay started and continued over ERGO Hestia liability period. The date of admission to the hospital is calculated as a full day regardless of the time of admission to the hospital. ERGO Hestia shall not pay benefits for days during which there was a break in the stay in hospital as a result of the granting pass;4) treatment and rehabilitation costs — refund of documented, necessary from the medical points of view, costs incurred within the territory of the Republic of Poland with respect to a personal accident, for which the due compensation for permanent disablement was up to 20% of sum insured, but no more than PLN 10 000.

These costs comprise:a) advice, physicians visits, tests, outpatient procedures and surgeries, stay at a healthcare facility;b) transport by public means (excluding aviation) or specialized transport if its use is necessary for medical reasons;c) essential medicines, dressings;d) rehabilitation in specialized medical facilities and rehabilitation wards in hospitals;e) aids, prostheses, rehabilitation equipment (except for household appliances/audio-video devices), wheelchairs, orthopaedic items and costs of dental reconstruction of permanent teeth, implants and implant placement;f) vocational training for the disabled;5) the benefit for total and permanent incapacity to work — a lump-sum of 100% of the sum insured, however no more than PLN 100 000;6) payment for myocardial infarction or cerebral stroke — lump-sum payment of 30% of the sum insured, however no more than PLN 30 000;7) benefit for the occurrence of the breast or prostate cancer — depending on the clinical progression of the disease, lump-sum payment corresponding to the percentage of the sum insured determined according to Table 2, however, not more than PLN 30 000.

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§ 21. The insurance does not cover the personal accidents and illnesses suffered by the Insured:1) as a result of committing a crime or an attempt, stated by legally binding court decision;2) as a result of self-inflicted injury or suicide;3) as a result of alcoholic disease or other mental disturbances and behavioral disturbances resulting from the use of psychoactive agents;4) as a result of driving without required license, if it affected the occurrence of loss;5) as a result of playing sports in order to earn money or playing extreme sports;6) in relation to performing high-risk professions.2. Moreover, the insurance shall not cover:1) infections, the insurance cover is applied if the Insured was infected with a micro-organism as a result of injuries suffered in a personal accident covered by the scope of insurance;2) damage to intervertebral disc and its consequences;3) poisoning of gastrointestinal tract;4) consequences of personal accidents being a result of bodily injury or loss of bodily function of the Insured due to treatment, regardless of who performed the treatment, unless the treatment was directly associated with a personal accident;5) effects of accidents being the consequence of or arising in connection with any disease, apart from accidents resulting from myocardial infarction, cerebral stroke, malignant breast cancer or prostate cancer (if they are covered under given insurance variant);6) myocardial infarction and cerebral stroke in persons, in which before the commencement date or within 90 days from the commencement date, a cardiac vascular disease (including arterial hypertension or coronary disease) or diabetes was diagnosed and treated;7) developing malignant breast cancer or prostate cancer:a) which was diagnosed or treated before the commencement date or within 90 days from the commencement date,b) resulting from chronic illnesses (including benign neoplasm), which were diagnosed or were treated before the commencement date.3. As regards benefits due for cerebral stroke, cerebral symptoms caused by traumatic factors or resulting from vascular reasons resulting from the brain disease are excluded from the scope of insurance coverage.4. Daily hospital allowance shall not be applicable, if the stay of the Insured is in the rehabilitation facilities and health care facilities, the primary purpose of which is care or health resort or rehabilitation treatment, also in specialist mental health hospitals.

SUM INSURED

§ 31. The sum insured shall be determined in the insurance contract, individually for each Insured.2. The sum insured is determined by the Customer, however, it cannot be lower than PLN 10,000 and higher than PLN 500 000.

3. The sum insured shall be the liability cap of ERGO Hestia, both in relation to one event and to all events that occur during the period of the insurance contract.

DETERMINING THE AMOUNT OF BENEFIT

§ 41. ERGO Hestia shall pay the benefit for death, only if it occurred within a year from the date of accident.2. The determination of causal relationship and the type of permanent disablement shall be done based on proofs and medical documentation gathered by ERGO Hestia.3. In the case of loss or damage to organ or system, the function of which were damaged before the accident, the disablement degree shall be determined as the difference between the disablement before and after the accident.4. If the Insured suffers several disablements, ERGO Hestia pays out the benefits for all disablements covered by insurance, at maximum up to the sum insured, and with respect to disablements specified in Table 1. Chapter II in Appendix 1, up to PLN 100 000.5. ERGO Hestia asks for the opinion of medical consultants so as to determine the degree of permanent disablement.6. Medical and rehabilitation expenses are paid:1) if they were incurred in the period shorter than a year from the date of accident;2) on the basis of receipts — to the Insured, and if the aforementioned expenses were incurred by the third party — to the party;3) in the amount, which shall not be covered by general health and social insurance.7. ERGO Hestia shall pay the benefit for the total and permanent incapacity to work:1) if it occurred in the period no longer than a year from the date of accident;2) if the Insured on the date of conclusion of the insurance contract and over 6 months prior to the conclusion of the insurance contract was employed or worked professionally as sole trader in accordance with the provisions of law.8. Assessment of the total and permanent incapacity to work shall be done by ERGO Hestia in cooperation with the physicians appointed by it, on the basis of the evidence and medical records, after at least 6 months after the occurrence of the incapacity. Total and permanent incapacity to work means the inability of the Insured to perform in the future the professional work to which they are qualified by virtue of his or her background and experience, which has been the main source of income for the past 6 months preceding the date of the personal accident covered by insurance.9. If the Insured performed a number of professions which meet the criteria referred to section 6 item 2), in order to be covered under total and permanent incapacity to work liability, it is necessary to select one profession, in respect of which ERGO Hestia is to pay the benefit.10. ERGO Hestia shall also refund to the Insured the documented costs of additional medical exams required by it for the purposes of justifying the claim.

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§ 5If the Insured received benefit for permanent disablement or total and permanent incapacity to work, and then died due to the same personal accident, the death benefit is paid only if it is higher than the already paid. In such situation, the benefit paid is reduced by the amount already paid.

§ 61. Determination of the amount of benefits for the occurrence of malignant breast cancer or prostate cancer and the payment of the benefit due is based on the results of the histopathological examination, hospital discharge summaries and other necessary medical documentation.2. Total payment for occurrence of malignant breast cancer or prostate cancer for all events within the period of insurance may not exceed PLN 30,000.

PERSONS ENTITLED TO BENEFITS

§ 71. The benefits shall be paid to the Insured, subject to section 2.2. Payment for death of the Insured shall be made to an eligible person, unless such person intentionally contributed to the death of the Insured.3. Insured may at any time change the eligible person.

§ 8If by the time of death of the Insured, the Insured failed to indicated the person entitled to receive the benefit, the benefit is granted to family members of the deceased in the following order:1) spouse — in full,2) children — in equal parts,3) parents — in equal parts,4) other heirs of the deceased — in equal parts.

FINAL PROVISIONS

§ 9The method of determining and payment of premium, period of insurance and the indemnity period of ERGO Hestia, rights and obligations of the parties, method of payment of the benefit are determined in the Common Provisions.

§ 10The General Terms and Conditions of Insurance shall enter into force as of 24 January 2016 and shall apply to insurance contracts concluded as of that date.




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APPENDIX 1 TO THE GENERAL TERMS AND CONDITIONS OF INSURANCE

Table 1. Assessment of disablement resulting from accident

Chapter I. The events for which ERGO Hestia shall pay benefits in the amount specified as the percentage of the sum insured.The sum insured is the liability cap of ERGO Hestia, both in relation to one event and to all events that occur during the period of this insurance contract.

Wypłacany procent sumy ubezpieczenia

POST-TRAUMATIC TOTAL INJURY

Tetraplegia 100%

Hemiplegia 100%

Paraplegia 100%

Hemiparesis limiting the aptitude of limbs with global aphasia

100%

Extrapyramidal syndrome significantly limiting the aptitude of organism and requiring third party care

100%

Disequilibrium of cerebellar or origin, making it impossible to walk

100%

Epilepsy with psychic disturbances, characteropathy, dementia and epileptic equivalents preventing from performing any work or requiring individual/special education

100%

Severe psychic disturbances requiring constant third party care (dementia-like changes, psychoses, frequent and long-lasting psychiatric hospitalization)

100%

total loss of vision in two eyes 100%

Total hearing loss in both ears 100%

total anarthria Total aphasia with agraphia and alexia, regardless of 12-month speech-therapy

100%

Amputation of two upper/lower extremities 100%

POST-TRAUMATIC PARTIAL INJURY

Post-traumatic injuries of internal organs

Heart or pericardium damage 15%

Damage to aorta, vena cava and the main branches

10%

Damage to stomach 5%

Rupture of the spleen without necessity to remove it

5%

Damage to diaphragm 5%

Damage to liver requiring a transplant (final hepatic failure)

80%

Damage to the small or colon intestine 10%

Damage to rectum and anus 10%

Brain contusion 10%

Brain concussion 1%

Post-traumatic loss/ damage of: an organ or body part

Lung (partial) 10%

Spleen 10%

One kidney 10%

Two kidneys 50%

Pancreas (partial) 15%

Liver (partial) 15%

Uterus/Phallus 30%

Testicle/Ovary 15%

Two testicles/two ovaries 40%

Cranium bone loss 6%

Nose in its entirety (including the nasal bones) 30%

Loss of maxilla 40%

Loss of mandible 50%

Total loss of vision in one eye 30%

Total hearing loss, unilateral 30%

Total loss of one auricle 15%

Total loss of both auricles 25%

Total loss of breast (mammary gland) 25%

Partial loss of breast (mammary gland) 15%

Major amputation of one upper extremity (above elbow)

65%

Minor amputation of one upper extremity (below elbow)

60%

Total amputation of one hand (palm) 50%

Total loss of upper extremity function 50%

Total amputation of five fingers on one hand 40%

Major amputation of lower extremity (at knee joint)

60%

Minor amputation of lower extremity (below knee)

50%

Total amputation of foot 40%

Total post-traumatic loss of lower extremity function

40%

Total amputation of five fingers on one foot 25%

Loss of extremity in shoulder 75%

Loss of extremity together with scapula 80%

Loss of extremity in brachial area 65%

Loss of extremity in antebrachial area 55%

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Chapter II. The events for which ERGO Hestia shall pay benefits in the amount specified as the percentage of the sum insured.Where the sum insured set forth in the insurance contract exceeds PLN 100,000, the benefits shall be paid as the percentage of the amount of PLN 100,000.

Percentage of the sum

insured or of the amount of PLN 100 000

paid

POST-TRAUMATIC PARTIAL INJURY

Post-traumatic loss/damage of: body part or total torn of muscles

Loss of hallux 8%

Total loss of toes II, III, IV and V of foot 3%

Total loss of the thumb 10%

Total loss of index finger 8%

Total loss of fingers III to V — for each finger 2%

Total rupture of quadriceps muscle 6%

Total rupture of biceps femoris (lower extremity)

4%

Complete rupture of the biceps and triceps (upper extremity)

3%

Sutured wounds, frostbite or burn

incised would or III degree frostbite of face, neck, forearms and palms

2%

Lacerated would (e.g. as a result of dog bite) of face, neck, forearm and palm

3%

Incised would of other body parts, including hairy skin on head

1%

Lacerated wound of other parts of body, including hairy skin on head

2%

Frostbite III degree 3%

burn III grade (calculated for each percent of body surface)

2%

Fractures

of cranium 4%

Facial skeleton — mandible, maxilla 6%

of jugular bone 3%

Nasal bones — without disfigurement of the nose shape

1%

Nasal bones — with disfigurement of the nose shape, though the operation

3%

Sternum 4%

One rib 1%

Two or more ribs 2%

Pelvis 6%

Caudal bone 2%

Femoral bone 7%

Fibula 2%

Tibia 6%

Humeral bone 5%

Radial bone, ulnar bone, carpus bone 4%

Spinal column 8%

Other fractures 1%

Dislocations

of spinal column without neurological consequences as paralyses and pareses

5%

In the mandibular joint area 2%

Ilium 10%

Knee joint 8%

In the tarsus area 5%

Hallux 3%

Joints of toes III to V (for each finger) 2%

Clavicular and shoulder joint or clavicular and sternal joint

3%

Humeral and scapula joint 4%

Elbow joint 5%

Wrist 3%

Thumb joints 3%

Index finger joints 2%

Joints of fingers III to V (for each finger) 1%

Rotations

Of backbone in cervical section 2%

Of backbone in thoracic and/or lumbar section 1%

Of illac joint 3%

Knee joint with damage to ligamentous apparatus

3%

Knee joint with damage to ligamentous apparatus and after surgery

5%

Of tarsal joint or in the foot section or in tarsal joint and in foot section

2%

Of shoulder joint 3%

Elbow 2%

Wrist 3%

Thumb joints 2%

Index finger joints 1%

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Joints of fingers III to V (for each finger) 1%

Post-traumatic complete loss of permanent teeth (for each tooth)

Incisor or canine 1%

The remaining teeth, starting from two 0.5%

Partial loss of incisor or canine 0.5%

Complete ankylosis

Pseudarthosis of the bone 10%

Post-traumatic aneurysm 10%

Intoxication with gasses and inhalatory substances

5%

Chronic osteomyelitis 10%

Table 2. Breast or prostate cancer

Occurrence of breast cancerPercentage of the sum

insured paid

The pre-invasive tumors (together with Paget’s disease of the mammary gland) and the largest invasive tumors of less than 2 cm without metastases to regional ancillary lymph nodes:Stage 0 — Tis, N0, M0Stage I — T1, N0, M0

10%,up to PLN 10 000

Other invasive tumors: Stage IIA:• T0-1, N1, M0• T2, N0, M0 Stage IIB• T2, N1, M0• T3, N0, M0 Stage IIIA:• T0-2, N2, M0• T3, N1-2, M0 Stage IIIB:• T4, N0-2, M0 Stage IIIC:• T (all), N3, M0 Stage IV:• T (all), N (all), M1

30%, up to PLN 30 000

Occurrence of prostate cancerPercentage of the sum

insured paid

T1 (including T1a, T1b and T1c)tumor non-detectable per rectum and invisible in imaging examinations

10%,up to PLN 10 000

T2 — tumor is within the prostate glandT3 — tumor infiltrating outside the sheath of the prostate gland T4 — stiff tumor infiltrating outside other organs than spermatic follicles (bladder neck, rectum, elevator muscle of anus, pelvic wall)

30%, nie więcej

niż 30 000 zł

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IV. General Terms and Conditions of Third-Party Liability Insurance in Private Life

CODE: C-E7-OCWŻP-01/15

The insurance contract is concluded based on the General Terms and Conditions for Third-Party Liability Insurance and Common Provisions and Definitions for Non-motor Insurance ERGO 7 (hereinafter referred to as the Common Provisions).

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The following table informs which provisions of the General Terms and Conditions of Third-Party Liability Insurance govern the issues listed in Article 17 section 1 of the Act of 11 September 2015 on insurance and reinsurance activity.





Third-party liability insurance in private life § 1 section 1 § 1 section 3, § 2, § 3

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§ 11. Subject to the exclusion of § 2 of these General Terms and Conditions of Insurance and § 3 of the Common Provisions, the insurance covers the liability for damage to property or bodily injury caused to third parties by persons covered by insurance, in the course of activities of private life, resulting from events that took place during the period of insurance, according to the table below:

OptionsI third-party liability

insuranceII third-party liability

insuranceIII

Sum insured PLN 200 000 PLN 500 000 PLN 2 000 000

Persons covered by insurance

1) The Insured2) minor children of the Insured3) domestic staff and other persons carrying out work in the household, employed by

the Customer in connection with the performance of work for persons covered by insurance — regardless of the legal basis of employment and the form of agreement

4) relatives of the Insured, including adult children, residing together with the Insured — for payment

Scope of insurance

1) losses caused in relation to the use or possession of house or apartment (including rented house and apartment)

2) losses resulting from flooding not attributable to the Insured3) losses caused in relation to the possession and use of property, including the property

used by the persons covered by the insurance benefit under rental, tenancy, loan, lease agreement or other related legal relationship

4) losses caused in relation to care of minor children5) losses resulting from practicing sports, using sailing equipment6) losses resulting from owning domestic animals (including when under the care of the

Insured)7) other losses caused to third parties in connection with private life activities

Territorial limits worldwide

2. All losses that are the result of the same event or result from the same cause, regardless of the number of aggrieved parties, are considered to be formed on the same date.3. ERGO Hestia shall also cover, within the sum insured, the necessary costs:1) for which the person covered by insurance is responsible, as they have contractually assumed liability of a third party, or expanded the scope of their liability under generally applicable provisions of law;2) judicial defense, if criminal proceedings are initiated against the Insured, provided that ERGO Hestia expressed written consent to cover such costs, up to 20% of the sum insured at maximum;3) necessary actions taken by the Insured after an accident in order to reduce the extent of loss.


§ 21. Insurance does not cover third-party liability for loss:1) for which the person covered by insurance is responsible, as they have contractually assumed liability of a third party, or expanded the scope of their liability under generally applicable provisions of law;

2) caused to relatives of the people covered by insurance or people employed by them;3) resulting from practicing extreme sports;4) involving the occurrence of financial loss unrelated to damage to property or bodily injury;5) related to the infringement of copyrights, patents, trademarks and trade names;6) occurring in monetary value, documents, plans, archives, stamp collections, coin collections, antiques, works of art and collections;7) resulting from the transmission of infectious diseases, the existence of which the person covered by insurance knew or on the best effort basis could learn this information;8) being the consequence of a systematic (i.e. regular and repetitive) influence of noise, vibration, temperature, water, weather conditions;9) covered under geological and mining laws;10) caused by emission, leaking or other form of penetrating the air, water or soil by hazardous substances;11) caused by subsidence, landslides, flooding by standing or flowing water, as well as the withdrawal of liquid in sewer systems;12) arising in connection with the construction of houses, apartments, outbuilding and buildings forming the garden architecture, if the permit was required to carry out these works;

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13) caused by animals other than domestic animals;14) resulting from the possession or use of any motor vehicles or aircraft;15) covered by obligatory third-party liability insurance policies which are required of the Insured.2. Insurance does not cover losses to all kinds of vessels.3. Insurance shall not cover fines and administrative or legal penalties and other financial penalties.4. Insurance does not cover third-party liability for loss covered under Tenant Third-Party Liability Insurance, under General Terms and Conditions of the Tenant Third-Party Liability Insurance.

SUM INSURED

§ 31. The sum insured is determined in the insurance contract.2. Sum insured is the liability cap of Ergo Hestia with respect to all events and all aggrieved parties in the insurance period.3. After payment of compensation, sum insured shall be reduced by the amount of compensation paid. If the guarantee sum is exhausted, the insurance contract is terminated.

LIABILITY OF ERGO HESTIA

§ 41. ERGO Hestia is required to assess the factual1 and legal circumstances and take a decision on the recognition of claim and payment of compensation, or defend the Insured against an unjustified claim.2. ERGO Hestia shall pay due compensation to the aggrieved party in accordance with the rules of third party liability of a person covered by the insurance.3. ERGO Hestia shall have the right to pay compensation amounting to the sum insured, which can satisfy claims arising out of the event, releasing itself from the obligation to continue to defend and incur other costs.

FINAL PROVISIONS

§ 5The method of determining and payment of premium, period of insurance and the period of liability of ERGO Hestia, rights and obligations of each Party, method of payment of benefit are determined in the Common Provisions.





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V. General Terms and Conditions of Tenant Third-Party Liability Insurance

CODE: C-E7-OCN-01/15

The insurance contract is concluded based on the General Terms and Conditions of Tenant Third-Party Liability Insurance and Common Provisions and Definitions for Non-motor Insurance ERGO 7 (hereinafter referred to as the Common Provisions).

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The following table informs which provisions of the General Terms and Conditions of Tenant Third-Party Liability Insurance govern the issues listed in Article 17 section 1 of the Act of 11 September 2015 on insurance and reinsurance activity.





Tenant Third-Party Liability § 1 section 1 § 1 section 3, § 2, § 3

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SUBJECT OF INSURANCE

§ 11. Subject to the exclusions set forth in § 2 of these General Terms and Conditions of Insurance and § 3 of the Common Provisions, the insurance shall cover third-party liability for losses caused within the insurance period by the Tenant and their relatives residing therewith to third parties, in relation to the possession or use under lease or loan agreement of the apartment, single-family house, detached garage, outbuilding and garden architecture being the subject of insurance against fire and other fortuitous events under ERGO 7 line.2. All losses that are the result of the same event or result from the same cause, regardless of the number of aggrieved parties, are considered to be formed on the same date.3. ERGO Hestia shall also cover, within the sum insured, the necessary costs:1) fee of the appraiser appointed upon written consent of ERGO Hestia in order to determine the circumstances of the accident, reasons and extent of loss, up to 20% of the sum insured at maximum;2) judicial defense, if criminal proceedings are initiated against the Insured, provided that ERGO Hestia expressed written consent to cover such costs, up to 20% of the sum insured at maximum;3) necessary actions taken by the Insured after an accident in order to reduce the extent of loss.


§ 21. Insurance does not cover third-party liability for loss:1) for which the person covered by insurance is responsible, as they have contractually assumed liability of a third party, or expanded the scope of their liability under generally applicable provisions of law;2) caused to relatives of the people covered by insurance or people employed by them;3) involving the occurrence of financial loss unrelated to damage to property or bodily injury;4) occurring in monetary value, documents, plans, archives, stamp collections, coin collections, antiques, works of art and collections;5) being the consequence of a systematic (i.e. regular and repetitive) influence of noise, vibration, temperature, water, weather conditions;6) covered under geological and mining laws,7) caused by emission, leaking or other form of penetrating the air, water or soil by hazardous substances;8) caused by subsidence, landslides, flooding by standing or flowing water, as well as the withdrawal of liquid in sewer systems;9) arising in connection with the construction of houses, apartments, outbuilding and buildings forming the garden architecture, if the permit was required to carry out these works;10) caused by animals other than domestic animals;11) covered by obligatory third-party liability insurance policies which are required of the Insured.2. Insurance does not cover losses to all kinds of vessels.3. Insurance shall not cover fines and administrative or legal penalties and other financial penalties.

SUM INSURED

§ 31. The sum insured shall amount to PLN 100 000.2. Sum insured is the liability cap of Ergo Hestia with respect to all events and all aggrieved parties in the insurance period.3. After payment of compensation, sum insured shall be reduced by the amount of compensation paid. If the sum insured is exhausted, the insurance contract is terminated as at the date of exhausting the sum insured.

LIABILITY OF ERGO HESTIA

§ 41. ERGO Hestia is required to assess the legal and factual situation and take a decision on the recognition of claims and payment of compensation, or defend the Insured against unreasonable claim.2. ERGO Hestia shall pay due compensation to the aggrieved party in accordance with the rules of third party liability of a person covered by the insurance.3. ERGO Hestia shall have the right to pay compensation amounting to the sum insured, which can satisfy claims arising out of the event, releasing itself from the obligation to continue to defend and incur other costs.

FINAL PROVISIONS

§ 51. The method of determining and payment of premium, period of insurance and the period of liability of ERGO Hestia, rights and obligations of each Party, method of payment of benefit are determined in the Common Provisions.2. General Terms and Conditions of Insurance shall enter into force as of 24 January 2016 and shall apply to the insurance contracts concluded as of that date.




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VI. General Terms and Conditions of Assistance ERGO 7

CODE: C-E7-A-01/15

The insurance contract is concluded based on the General Terms and Conditions for Assistance ERGO 7 Insurance and Common Provisions and Definitions for Non-motor Insurance ERGO 7 (hereinafter referred to as the Common Provisions).

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The following table informs which provisions of the General Terms and Conditions of ERGO 7 Assistance Insurance govern the issues listed in Article 17 section 1 of the Act of 11 September 2015 on insurance and reinsurance activity.





ERGO 7 Assistance § 1 section 1, § 1 section 3,§ 3 section 1, § 4 section 1

§ 1 section 2, § 3 section 2,§ 4 section 2, § 5, § 6

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SUBJECT OF INSURANCE

§ 11. The insurance covers the costs of the providing immediate Assistance services through Emergency Centre.2. The benefits are exercised within 4 hours from the event covered by the insurance being reported, subject to section 3.3. Computer equipment/ household appliances/ audio-video devices under Home Assistance shall be repaired at the latest within 48 hours of notification.

HOME ASSISTANCE

§ 21. The ability to use the service is contingent on the occurrence or threat of occurrence of damage or destruction of the property in the insured location, resulting from fortuitous events, floods or faults, subject to section 3.2. The sum insured and limits for each type of service within the insurance period are determined in the table below:

Type of service

Sum insured PLN 5 000

Limit of services

Emergency assistance of a specialist (plumber, electrician, locksmith, heating and air conditioning specialist, carpenter, glazier, electronic specialist, alarm and intercom specialist)

2 times

Repair of computer equipment/household appliances/electronic equipment

1 time

Information service no limit

Additional services — arrangement within the framework of legal norms and generally accepted good practice

no limit

3. The condition for use of Assistance service consisting in:1) emergency assistance of a locksmith provided in the event of damage, locking-in or loss of keys or damage of locks in exterior doors to the house or apartment,2) repair of computer equipment, office equipment, household appliances, electronic equipment — performed in the event of failure.4. Assistance services specified in the table comprise the conduct of the following activities:1) specialist intervention assistance — the arrangement and coverage of costs of services when immediate action is necessary to prevent the increase of loss or cause further damage;

2) repair of computer equipment/household appliances/electronic equipment:a) the arrangement and coverage of costs of a specialist or IT specialist, in order to repair it in insured location,b) the arrangement and the coverage of costs of transport of the equipment to and from the nearest repair center, if the repair in

the insured location is impossible, the cost of repair in the center is covered by the Insured,3) information services — provision of information on public services and service providers telephone numbers.

SOS ASSISTANCE

§ 31. The condition to use the service is damage or destruction of house or apartment specified as the insured location, resulting from fortuitous events and floods, preventing from further habitation.2. The sum insured and limits for each type of service within the insurance period are determined in the table below:

Type of service


Limit of services

Property safeguarding up to 3 days

Property transportation 1 time

Property storage up to 90 days

Substitute premises up to 90 days

A visit to a psychologist for the Insured and their relatives

up to 5 visits

Transportation of the Insured and their relatives

1 time

Transport of children to school, kindergarten, nursery school

1 time

Care of domestic animals up to 3 days

Immediate return home 1 time

Information service no limit

Advance compensation up to PLN 5 000

3. Assistance services specified in the table comprise the conduct of the following activities:1) property safeguarding — the arrangement and the coverage of necessary costs of safeguarding of the property belonging to the Insured or their relatives in the insured location against occurrence of any further loss;2) property transportation — the arrangement and the coverage of costs of transportation of property belonging to the Insured or their relatives carried out in order to secure or use the property outside the insured location. The transportation is carried out by a passenger car or a truck from the insured location to the location within the territory of the Republic of Poland specified by the Insured;3) property storage — the arrangement and the coverage of costs of storage of property belonging to the Insured or their relatives;4) substitute premises — the arrangement and coverage of costs to provide premises for the period when the house or apartment of the Insured is uninhabitable. The premises made available to the Insured ensure the satisfaction of basic housing needs.5) transportation of the Insured and their relatives — organizing

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and covering the costs of transportation of people and their hand luggage to the location within the territory of the Republic of Poland specified by the Insured, as well as the subsequent return to the insured location;6) transportation of children to school, kindergarten, nursery school — the arrangement and the coverage of costs of transport of minor children of the Insured to school, kindergarten, nursery school and back;7) care of domestic animals — arrangement and coverage of costs:a) of care of domestic animals left at the Insured’s place of stay orb) transportation of domestic animal to and from the person indicated by the Insured, within the territory of the Republic of Poland or to an animal hotel;8) immediate return home — arrangement and coverage of costs of return of the Insured and their relatives to the insured location within the territory of the Republic of Poland;

Type of Assistance serviceInsurance event

Insurance option

Basic Extended

Benefits due Limits of benefits

Medical aid

Physician visit:

• arranged 24/7

• arranged between 8:00 p.m. and 6:00 a.m. and 24h during weekends and on public holidays

Sudden illness

Personal accidents

-2 times

4 times

Nurse visit 2 times 4 times

Delivery of medications and small medical equipment 2 times 4 times

Vaccination - 1 time

Medical transport 2 times 4 times

Psychological assistance - 2 times

Rehabilitation:

• visit of a physiotherapist or

• visit in rehabilitation facility

2 times 4 times

Rehabilitation equipment 1 time 2 times

Care assistance

Care of children, elderly and dependents

Sudden illness Personal accidents

2 times 4 times

Care of domestic animals 2 times 4 times

Delivery:

• of basic food products or

• personal belongings to the hospital

2 times 4 times

Transport of children to school, kindergarten, nursery school 2 times 4 times

Domestic staff 2 times 4 times

Assistance in funeral arrangements - 1 time

9) information services — provision of information on public services and service providers telephone numbers;10) advance compensation — payment of advance compensation under contract of insurance of the house or apartment against fire and fortuitous events concluded in the framework of ERGO 7. In the event that ERGO Hestia refuses to pay compensation, the Insured shall return the advance payment.

MEDICAL ASSISTANCE

§ 41. The occurrence of sudden illness or accident requiring the immediate medical assistance within the territory of the Republic of Poland for the Insured or their relative residing together with them, is the condition to make use of this service.2. The sum insured amounts to PLN 5,000 for one event and for all events, while limits for each type of service and benefit within the insurance period are set forth in the table below:

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Type of Assistance serviceInsurance event

Insurance option

Basic Extended

Benefits due Limits of benefits

Information assistance

Telephone information about health care facilities and services no limit

Notification of the family or the employer no limit

Telephone medical/hospital information no limit

Medical assistant no limit

3. Assistance services specified in the table comprise the conduct of the following activities:1) physician’s visit — the arrangement and coverage of costs of primary care physician’s visit and transportation to the place of stay of the Insured or their relative; In the basic option, the physician’s visit is arranged only between 8:00 p.m. and 6:00 a.m. during weekdays and 24h during weekends or on public holidays;2) nurse’s visit — the arrangement and coverage of costs of nurse’s visit and transportation to the place of stay of the Insured or their relative for the purpose of providing nurse care in accordance with the instructions of the physician of the Emergency Centre;3) delivery of medications and small medical equipment — the arrangement and coverage of costs of delivery of medications, dressings and similar small medical equipment to the place of stay of the Insured, in accordance with the instructions of the physician of the Emergency Centre; The service is provided in the event that the Insured, according to the opinion of the physician of the Emergency Centre, is unable to leave their place of stay. The service shall not include the cost of purchase of the above mentioned items;4) vaccination — the arrangement and coverage of costs of visit of a physician or nurse for the purpose of vaccination. The service shall not include the cost of purchase of the vaccination;5) medical transportation — arrangement and coverage of costs:a) of transport to or from a medical facility — in case of events which do not require emergency care intervention;b) transport to a follow-up visit or from such visit to a place of stay — provided that the Insured was hospitalized and, in accordance with the written recommendations of the attending physician, should attend a follow-up visit at a medical facility and is not able to travel to the visit by means of public transportation or by their own car due to their health condition confirmed with medical records;c) transport in order to appear before the medical board;d) transport from the hospital to the place of stay;e) transport between medical facilities — the service is performed at the written recommendation of the attending physician upon consultation with the Emergency Centre and is carried out with the means of transport adapted to the health condition of the Insured;6) psychological care — the arrangement and coverage of costs of a visit to a psychologist. The benefit applies within 180 days after the date of the accident;7) rehabilitation — the arrangement and coverage of costs of one of the following benefits, provided that the Insured, in accordance with the written recommendations of the attending physician, requires:a) a visit of a physiotherapist at the Insured’s place of stay or

b) a visit in the nearest rehabilitation facility;8) rehabilitation equipment — the arrangement and coverage of costs of rental and transport to the place of stay of the Insured of rehabilitation equipment, if such was recommended by the attending physician or the physician of the Emergency Centre in writing, on the basis of medical records;9) care of children, elderly and dependents- arrangement and coverage of costs:a) of care at the Insured’s place of stay orb) of transport of the person to be taken care of or the transport to the person to be taken care of (purchase of first-class train, bus or airline tickets, provided that the cost of such tickets is comparable to the cost of train or bus tickets), in the event of hospitalization of the Insured who is the caretaker of a minor child, an elderly or dependent person;10) care of domestic animals — the arrangement and coverage of costs of care of domestic animals of the Insured in the place of stay of the animal, if the period of expected hospitalization of the Insured is longer than 48 hours. After exhausting the liability limit determined in the table in section 2, ERGO Hestia shall arrange for and cover the cost of transport of the domestic animals to a specified person or to the nearest animal shelter;11) delivery of basic food products — the arrangement and coverage of costs of delivery of basic food and sanitary products to the Insured or their relative who, according to the physician of the Emergency Centre, unable to leave their place of stay. The insurance shall not include the cost of purchase of the above mentioned items;12) delivery of personal belongings to the hospital — the arrangement and coverage of costs of delivery of basic necessities to the Insured or their relative who were taken into the hospital and are unable to seek assistance of their household members with respect to the above. The service shall not include the cost of purchase of the above mentioned items;13) transportation of a child to school, kindergarten, nursery school — the arrangement and the coverage of costs of transport of minor children of the Insured to and from school, kindergarten, nursery school;14) domestic staff — the arrangement and coverage of costs of domestic staff services for the Insured or their relative, who cannot, in the opinion of a physician of Emergency Center, perform domestic tasks;15) assistance in funeral arrangements — in the event of death of the Insured or their relative, the arrangement, with the help of specialized service providers, of funeral-related services, including

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transportation of the body, the purchase and delivery of the coffin or urn, delivery of flowers or wreaths. The cost of the arranged services shall be borne by the Insured;16) telephone information about health care facilities and services — information concerning the contact details, addresses and working hours of medical facilities (physicians, hospitals, clinics, medical cooperatives) operating on the territory of the Republic of Poland, which are suitable to the needs of the Insured and are recommended by the Emergency Centre;17) notification of the family or the employer — provision, at the Insured’s request, of necessary information concerning the Insured’s situation to the Insured’s relatives or their employer. The information can be provided by telephone, by fax or by e-mail;18) telephone medical/hospital information — information:a) on what to bear in mind, when going to a hospital;b) on what to bear in mind, when leaving a hospital;c) on what preparation to a surgical procedure consists in;d) on examinations to be carried out on the Insured or their relative during hospitalization, along with information on what each examination consists in, what to pay attention to when visiting relatives in a hospital;19) Medical assistant — arrangement:a) of the visit of primary care physician or pediatrician in the place of stay of the Insured,b) of transport to or from a medical facility of between medical facilities,c) of nurse care,d) of assistance of a midwife or nurse in the care of a new-born child,e) of rehabilitation,f) of delivery of medications, dressings, rehabilitation equipment available without prescription to the place indicated by the Insured,g) of psychological assistance,h) of stay of the guardian in the hospital in the event of hospitalization of a child,i) of help and assistance of a person in the event of admission to and discharge from the hospital,j) of a visit of a specialist.The cost of the arranged services shall be borne by the Insured.

§ 5Upon the provision of Assistance service, the sum insured is reduced by an amount equal to the costs incurred by ERGO Hestia in this respect. When the sum insured is exhausted, the insurance contract shall be terminated as at the date of exhausting of the sum insured.


§ 61. ERGO 7 Assistance insurance shall not cover:1) costs of materials and parts necessary to render service or make repair;2) costs related to the use of substitute premises (rent, utilities, telephone payments);3) medical transportation, if the cost of transportation can be covered by health insurance;4) failure of equipment under warranty or for which, under generally applicable law, the vendor is liable;5) repair of household appliances or electronic devices of a value of

less than PLN 200 or older than 5 years;6) losses resulting from the necessity to replenish consumables, on-going and periodic maintenance, delivery and installation of accessories and lack of necessary resources to handle equipment or vehicle;7) costs incurred by the Insured or another person entitled to the benefit individually, unless the service is not rendered within 4 hours, and provided that other arrangements have not been made between the Insured and the Emergency Centre.2. The Home Assistance option shall also not cover:1) services related to the maintenance of technical equipment, furnishing, fixtures and fittings;2) losses resulting from disconnection or interruption of the functioning of water and sewer equipment, the repair of which is the obligation of appropriate public utilities or building administrator.3. Liability of ERGO Hestia under Medical Assistance option is excluded, if the necessity of medical intervention or hospitalization is related to:1) rehabilitation or disease under treatment, which has not been cured yet;2) sudden deterioration of health or complications arising during an ongoing treatment of diseases that require continuous treatment or medical care.

FINAL PROVISIONS






Adam Roman

43EN/KM/OW092/1512

VII. General Terms and Conditions of Luggage Insurance

CODE: C-E7-B-01/15

The insurance contract is concluded based on the General Terms and Conditions of Luggage Insurance and Common Provisions, and Definitions for Non-motor Insurance ERGO 7 (hereinafter referred to as the Common Provisions).

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The following table contains information on provisions of the concluded General Terms and Conditions of Luggage Insurance which govern the issues listed in Article 17 section 1 of the Act of 11 September 2015 on the insurance and reinsurance activity.





Luggage § 1 § 2, § 3, § 4 section 2

45EN/KM/OW092/1512

SUBJECT, SCOPE AND PLACE OF INSURANCE COVERAGE

§ 1Insurance covers the loss, destruction of or damage to luggage located in a place covered by insurance and resulting from the events given in the table below:

Place of insurance coverage Causes of events

Direct care of the Insured or their relatives • robbery

• Entrusting to a professional carrier on the basis of appropriate freight documents,

• Handing over against receipt to the left luggage office.

• loosing• burglary

Leaving:• in premises closed on multi-tumbler lock or multipoint lock, or electronic lock, in

the place of accommodation of the Insured (excluding tents),• in trunk of a motor vehicle closed on lock or trailer or cabin on a vessel closed on

lock, provided that the luggage was not visible from outside.

• burglary• fortuitous events

Transporting in a vehicle and on racks or in external cargo carriers, including pick-up truck load beds, if they were locked according to its construction at the moment of damage.Including also damage to racks and external cargo carriers.

• collision of vehicles• damage caused by the sudden contact of the car with

persons, animals or objects outside the vehicle• sudden influence of thermal or chemical agent from the

outside of the vehicle

Territorial limits worldwide



§ 21. The insurance shall not cover:1) monetary values;2) medications;3) property acquired for resale;4) property used for the purposes of commercial, service or production activity, apart from property purchased by the Insured, who is a sole trader, and property lent to the Insured by their employer;5) loss in the amount of more than PLN 200.2. ERGO Hestia shall not be held liable for losses caused by robbery, the occurrence of which was reported to the police unit by the Insured no later than within 24 hours of its occurrence, unless for reasons beyond the control of the Insured it is impossible to meet this obligation; in such case, the Insured is obliged to report the event immediately after the termination of the obstacles preventing it.

SUM INSURED

§ 31. The sum insured shall be the liability cap of ERGO Hestia, both in relation to one event and to all events that occur during the period of the insurance contract.

2. After payment of compensation, sum insured shall be reduced by the amount of compensation paid. If the sum insured is exhausted, the insurance contract is terminated as at the date of exhausting the sum insured.

DETERMINING THE AMOUNT OF COMPENSATION

§ 41. The amount of compensation is determined according to the replacement value, except for:1) cash — which is determined based on its nominal value (nominal value of foreign currency is translated into PLN based on A table or B table of the average foreign exchange rate announced by the National Bank of Poland, applicable as at the date of loss event);2) loss of keys, which is determined based on the costs of changing the locks.2. In the case of cash and jewelry, the amount of compensation may not be higher than PLN 1,000.

FINAL PROVISIONS


46 EN/KM/OW092/1512





Adam Roman

47EN/KM/OW092/1512

What to do when the loss event occurs

1. Please secure the location where the loss event occurred and take care of the things that were not damaged. If you know or suspect that the event is a result of crime, you should notify the police. If necessary, call emergency ambulance service or fire brigade.

2. Then, the loss should be reported to ERGO Hestia as quickly as possible. You will need:

• the address, telephone number, e-mail address• description of circumstances of the event• date and hour of the event

Important!• Please provide us with your phone number — it will facilitate and speed up subsequent contact

with ERGO Hestia.• A special number will be given to the loss — please write it down and use it in subsequent

contacts with ERGO Hestia.

The loss can be reported:

a) via Internet

• via the electronic form available at: www.ergohestia.pl• by email at: [email protected]

b) by calling

• + 48 58 555 5 555 — from a mobile phone or from abroad• + 48 801 107 107

c) by fax

• + 48 58 555 6 001

d) by mail at the address

STU Ergo Hestia SA BLS-Likwidacjaul. Hestii 1 81-731 Sopot

3. The claim adjuster will contact you within 48 hours from the notification (2 business days) and will arrange a convenient date and place of loss investigation

4. If necessary, the claim adjuster will provide you with documents to be completed. The complete documentation can be provided to the claim adjusted by e-mail or by mail to the address specified above. The claim adjuster will provide you with all information concerning further claim adjustment procedure.

5. After that, you will receive a written decision concerning the award of compensation. Ergo Hestia pays the benefit within 30 days from the date of receiving notification about the loss. If, despite the highest due diligence, it is impossible, you will receive the compensation within 14 days from the time of gathering all documents necessary to complete the claim adjustment procedure.

Would you like to contact us?It is simple:

contact form available at: www.ergohestia.ple-mail for claim notification: [email protected] e-mail: [email protected]

Sopockie Towarzystwo Ubezpieczeń ERGO Hestia SAul. Hestii 1, 81-731 Sopot

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