Art 13. Baggage
13.1 If the policyholder has chosen the Non-Medical option, the Company shall compensate the insured for the following items belonging to the insured on his / her travel outside his / her country of permanent residence: baggage, electronic equipment, cash, tickets, traveller's cheques, credit cards, securities and passports.
Baggage and electronic equipment of any nature for commercial use, including travellers' samples, dealers' stock and collections, are not covered. Bicycles, sports equipment and accessories hereto are not covered.
Reimbursement for any individual object may never exceed 50% of the insurance sum. The maximum reimbursement for photo equipment and jewellry amounts to 25% of the insurance sum. The insurance sum amounts to the maximum compensation per claim, according to the list of Cover and Benefits.
13.2 As described in the table below, the following limits apply:
| Cause / item | Baggage and electronic equipment | Cash, tickets, securities and passports. |
| Fire, robbery, theft from a locked hotel room, a locked home abroad or a locked safety box | up to the sum insured | 10% of sum insured |
| Theft, when observed being committed, of covered items carried on or by the insured | up to the sum insured | 10% of sum insured |
| Theft from a boot or locker separate from the passenger compartment of a locked boat or a motor vehicle | up to the sum insured | 10% of sum insured |
| Documented loss of registered baggage (proof must be submitted) | up to the sum insured (electronic equipment, however, not covered) | Not covered |
| Documented damage to registered baggage (proof must be submitted) | up to the sum insured (electronic equipment, however, not covered) | Not covered |
| Theft from the passenger compartment of a locked boat or motor vehicle | Not covered | Not covered |
| Forgotten, lost or mislaid items | Not covered | Not covered |
| Theft of baggage left without effective supervision | Not covered | Not covered |
| Theft from motor vehicle, boat, trailer, hotel room, home or safety box that bear no visible signs of forced entry | Not covered | Not covered |
| Damage to baggage caused by food, bottles, glass, etc, packed in insured's own baggage | Not covered | Not covered |
| Loss in connection with abuse of credit card or traveller's cheques | Not covered | Not covered |
| Loss of or damage to baggage freighted separately | Not covered | Not covered |
| Indirect loss | Not covered | Not covered |
| Simple theft | Not covered | Not covered |
Compensation cannot be paid sooner than one month after the loss.
13.3 Compensation for the insured's lost or damaged valuables is calculated according to the following principles:
a) The insurance shall cover the replacement cost of comparable new items, if the covered items are documented as less than two years old.
b) For items more than two years old, purchased second-hand or already damaged, compensation will be fixed at the replacement cost of comparable new items less a fair deduction for deterioration due to age, wear and tear, reduced usability or any other circumstance. This also applies to items for which no documentation of age and value can be provided.
c) The Company may choose to have damaged items repaired or pay an amount corresponding to the costs of repair.
d) The Company is entitled, but not obliged to provide compensation in kind.
e) Coverage for film, video and tape recordings and the like is limited to the cost of the raw materials.
f) The insurance shall cover the costs of replacing tickets, traveller's cheques, credit cards, securities and passports. The costs include necessary transportation charges, fees, photos, etc, but not compensation for the time involved in replacing the items.
13.4 The Company shall only be liable to pay compensation if the baggage is handled and stored safely, and if the insured exercises due care.
13.5 Any theft or robbery must be reported to the nearest police authority. If, in exceptional circumstances, it is not possible to notify the relevant local authority, for instance due to imminent departure, the Company must be notified as soon as possible following the insured's return home.
Loss of or damage to registered baggage must be notified to the relevant carrier.
A copy of the police or carrier report must be submitted to the Company together with the claim form.
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