CONDITIONS:

Hospitalisation daily allowance euro 10.00 – maximum compensation 30 days deductible 5 days;
Reimbursement of medical expenses: – maximum euro 3,000.00 and deductible euro 150.00. Benefits reimbursable under Art. 45,46 and 47. In the event of Permanent Invalidity, the deductible for all sports except cycling and horseback riding is reduced from 6% to 4%. It does not include the daily allowance for plaster casts as this is already included in the basic policy with a fixed reimbursement of 200.00 euros for all radiologically ascertained fractures whose sequelae fall within the 6% deductible.

– ART 45 – DEFINITIONS AND COMMON RULES For the purposes of the additional coverage of this section, the following are defined as

INPATIENT: a stay in a health institute that involves at least one overnight stay.
HEALTH CARE INSTITUTE: hospital, clinic, nursing home and any other in-patient health facility, equipped for the overnight stay of patients and the treatment of pathological conditions, through the intervention of qualified medical and paramedical personnel.

– ART 46 – IR – DAILY ALLOWANCE FOR HOSPITALISATION

In the event of hospitalisation in a public or private healthcare facility following an Accident that is indemnifiable under the terms of the Policy, the Company shall pay the Insured Party the daily indemnity indicated in the policy – Sums Insured – for each day of hospitalisation starting from the sixth day (fixed 5-day deductible) and with a maximum limit of 30 days per claim and per insurance year. The day of admission and the day of discharge are considered as a single day for settlement purposes. The Company shall pay the amount due to the Insurant upon completion of the treatment. For hospitalisation abroad, the payment of the Indemnity will be made in Italy and in Euro.

– ARTICLE 47 – REIMBURSEMENT OF MEDICAL EXPENSES

Exclusively following hospitalisation in an Emergency Room, the Company shall reimburse, up to the maximum amount indicated in the policy – Sums Insured – per insurance year, with an Excess per claim of €150.00, the medical expenses sustained by the Insurant due to the consequences of the Accident indemnifiable under the Policy:

– for diagnostic examinations

– for specialist medical services (excluding the replacement of prosthetic devices of any kind);

– in the event of Permanent Disablement equal to or greater than 6% for an event indemnifiable under the terms of the Policy, for physiotherapy and re-educational treatments up to €1,500.00 (one thousand five hundred/00);

– for physiotherapy and re-educational treatments up to an amount of €1,500.00 (one thousand five hundred/00) the reimbursement of medical expenses and physiotherapy treatments is not dependent on the degree of permanent disability recognised; In the event of hospitalisation in a public or private healthcare facility, with or without surgery, Day Hospital and/or outpatient surgery, also the expenses for

– hospitalisation fees

– fees of attending physicians – medicines

– operating theatre fees

– operating materials (including provisional or permanent therapeutic prosthetic devices applied during the operation, excluding the replacement of prostheses placed prior to theInjury).

In the event that the Insurant makes use of the National Health Service, the Company shall reimburse the expenses not recognised by the aforementioned Service and sustained by the Insurant for the services described above, without deducting any Deductible. The Company shall pay the amount due to the Insurant upon completion of treatment for medical services provided within one year from the date of the Accident. For expenses incurred abroad, reimbursements shall be made in Italy, in euro, at the average exchange rate for the week in which the expense was incurred by the Insurant, obtained from the European Central Bank’s records. If the Insurant must present the original bills, lists and receipts to the National Health Service or other Institution in order to be reimbursed by them, the Company shall make the reimbursement upon presentation of a copy of the bills, lists and receipts of the expenses incurred by the Insurant or of the document proving their presentation to the National Health Service or other Institution: obviously the amount already paid by the Company shall be deducted from the reimbursement due.