text: [ La Mobilité ] Individuals General conditions 2008 Magellan [ Insurance solutions ] for short-term expatriates APRIL Mobilité Ma 2008 Personal insurance for short-term expatriates up to age 75 Printed on recycled paper Magellan 2008 General Conditions Booklet - To be retained by the insured 1. Purpose of the insurance 3 2. Eligibility requirements 3 3. Start date, duration and cancellation of the policy 3 3.1 Start date of membership and cover 3 3.2 Duration of cover 4 3.3 Termination of cover 4 3.4 Cancellation 4 4. Premiums 4 5. Cover and payment of benefits 4 5.1 Medical expenses 4 5.2 Repatriation assistance 6 5.3 Counselling 9 5.4 Personal liability 9 5.5 Legal cover 10 5.6 Personal accident 10 5.7 Baggage 11 6. Exclusions common to all cover 12 7. General conditions 12 7.1 Limitation 12 7.2 Subrogation 12 7.3 Audit 13 7.4 Conciliation/Jurisdiction 13 7.5 Data Protection and Freedom of Information 13 7.6 Glossary 13 7.7 Emergency contact numbers 14 Remarque The original version of this document is in French. In the event of a dispute, the French version shall prevail over any translation into other languages. 2 Magellan 2008 General Conditions Booklet To be retained by the insured This policy is effected by the Association of APRIL Insured (regulated 1. Purpose of the insurance by the Associations Act of 1901) located at 114, boulevard Marius Vivier Merle, 69439 Lyon Cedex 03, FRANCE, whose purpose is to study, effect Membership of these plans guarantees the Insured the following cover: and promote, to the benefit of its Members, all types of group insurance authorised under French law, the risk being insured by certified insurance - Medical expenses; companies regulated either by the Insurance Code, the Mutuality Code - Counselling; or the Social Security Code. - Personal liability; - Death or total or partial permanent Disability due to Accident; For Medical expenses: - Repatriation assistance; an optional group insurance plan with Gan Eurocourtage Vie (number - Loss, theft or destruction of baggage. 219/936 265), a French endowment life insurance company regulated by the French Insurance Code. A public limited company with fully paid capital of 5 51,695,640 registered with Companies House in Paris under number 340 427 525 (APE code: 660A), located at 8-10, rue d'Astorg, 2. Eligibility requirements 75383 Paris Cedex 8, FRANCE; To be eligible for insurance, each applicant must: For Personal liability, Personal accident, Baggage insurance and - be a member of the Association of APRIL Insured; Legal cover: - be under 75 years of age; an optional group insurance plan with Gan Eurocourtage IARD (number - be temporarily outside France or the French Overseas Territories, and GCRV000004), a French property and casualty insurance and reinsurance outside their country of origin for study, work experience, pleasure, company regulated by the French Insurance Code. business or private visits, for a minimum of 15 days and a maximum A public limited company with fully paid capital of 5 8,055,564, registered of 12 months. The insurance is renewable only once on agreement with Companies House in Paris under number 410 332 738 (APE code: with the insurer (if option 2 is selected, the maximum period of cover 660E) and located at 8-10, rue d'Astorg, 75383 Paris Cedex 8, FRANCE; is 3 months and cannot be renewed); - have completed and signed the Application form; For Repatriation assistance: - have completed and signed the health questionnaire no more an assistance plan with Inter Partner Assistance, part of the AXA than three months before the desired Start date; Assistance Group (number 0800243*02). Headquarters: 166, avenue - not be affected by any incapacity or Disability, nor be under treatment Louise, 1050 Brussels, BELGIUM. A public limited company regulated for any illness, nor be liable to suffer a recurrence or progression of by Belgian law with capital of 5 8,396,373. RCB/HRB 394 025 Insurance any illness; company registered under the number 0487. - not have undergone any recent medical treatment, nor be planning French branch located at 6, rue André Gide, 92320 Châtillon, FRANCE. any treatment in the country he or she is visiting. Registered with Companies House in Nanterre under number 316 139 500. Membership is subject to medical approval by APRIL Mobilité who reserves the right to request additional medical information based on The administration of these plans has been delegated to APRIL Mobilité, the responses given in the health questionnaire. If the applicant presents an insurance broker and administration company registered with an aggravated risk, APRIL Mobilité can either accept them under special Companies House in Paris under number B 309 707 727, and with ORIAS conditions or reject the application. under number 07 008 000 (www.orias.fr) located at 110, avenue de la République, 75011 Paris, FRANCE. Membership is formalised by the issuing of a Membership certificate stating the value of the cover and the Start date. The bodies responsible for regulating insurance activities are: - For insurance plans: Regulatory body for Insurance Activities and Due to heightened tension there, certain countries may be excluded Mutual Institutions (ACAM), located at 6, rue Taitbout, 75436 Paris from cover. The list of excluded countries may vary. This list is Cedex 09, FRANCE. available online at www.aprilmobilite.com or may be requested - For the assistance plan: Commission for Banking, Finance and Insurance by calling: + 33 (0)1 73 02 93 93. (CBFA) located at 12-14, rue du Congrès, 1000 Brussels, BELGIUM. These plans are regulated by the French Insurance Code, these General conditions and the Membership certificates issued to Members. 3. Start date, duration and cancellation of the policy APRIL Mobilité also provides insured persons with "Counselling"services offered by PSYA, a company registered with Companies House in Nanterre under number 414 510 024 located at 69, rue Lafayette, 75009 3.1 Start date of membership and cover Paris, FRANCE. On the date shown on the Membership certificate and at the earliest on the day after APRIL Mobilité receives the Application form (including the Application form and the health questionnaire, both completed and signed), subject to the suspensory condition of payment of the whole Premium due and to acceptance by APRIL Mobilité in the form of an issued Membership certificate summarising the selected cover and the amounts insured for each risk covered. 3 Magellan 2008 General Conditions Booklet To be retained by the insured Cover is acquired for the entire duration of the main stay abroad, 3.4 Cancellation outside the country of origin, and outside France and the French Over- seas Departments (cover is acquired in France and in the French Overseas Signing the application form does not constitute a binding agreement Departments for periods of less than 90 consecutive days between two for the Member who can cancel the policy within 30 calendar days of stays in the country of destination), in a private capacity only. receipt of the Membership certificate. A letter, worded as follows, should be sent by recorded delivery with Waiting period: proof of receipt to APRIL Mobilité, 110 avenue de la République, - None in the event of an accident; 75011 Paris, FRANCE: - Other cases: 8 days. « «I, the undersigned............................................................................(first name, surname, address) Waiting period shall apply from the Start date shown on the wish to cancel my Magellan policy number................................................................................. Membership certificate. which I signed on............................................................ at..................................................................................................... (place). Signed at ..........................................................at......................................................signature........................................................ » The insurer shall be responsible only for expenses incurred as a result of stipulated actions on or after the Start date of cover. The cancellation is backdated so that the policy is considered never to have existed. The insurer will then make a full refund of the premium within 30 calendar days of receipt of the registered letter. 3.2 Duration of cover Cover is acquired for a minimum period of 15 days and a maximum period of twelve months. The contract is renewable only once at the 4. Premiums Member's request and on approval by APRIL Mobilité. If option 2 is selected, the maximum period of cover is 3 months and The premium may be increased from 1st January of each year, depending cannot be renewed. on the claims history of the policy.The composition of the group takes The maximum duration of cover is two years. into account the age, the length of the stay and the degree and Cover ends in all cases on the day of final return to the country of origin, types of cover selected. and at the latest, on the last day stated on the Membership certificate. The Premium is payable either in advance in euros or by monthly instalments depending on the method of payment selected. If payment cannot be made in euros, the Member must make a bank 3.3 Termination of cover transfer to the account indicated by APRIL Mobilité. Bank charges for this transfer will be paid by the Member. Cover under the policy ends: If the premium remains unpaid 10 days after its due date, APRIL Mobilité a) if the Premium is not paid; will serve formal notice with suspension of cover 30 days later. The policy b) if the agreement is cancelled by the Association or the insurer at will be terminated 10 days after the expiry of this 30-day period. Legal the annual renewal date (in which case, the Association will inform action may be taken to secure payment of any unpaid premiums. Once the Members); formal notice has been served, the premium due for the entire period c) once the Insured ceases to meet the Membership conditions out- of cover is immediately payable under the French Insurance Code. lined in Article 2; If the amount stated on the letter of formal notice is paid after suspen- d) on the day of final return to the country of origin, and at the sion of the policy but before termination, the policy will be revived at latest, on the last day stated on the Membership certificate. noon on the day after the premium is paid. If the contract is terminated by the insurer or the Association under If travel is cancelled, the Premium will be reimbursed, excluding mem- the conditions listed in paragraph c) above, the insurer will, at the Insu- bership fees, as long as APRIL Mobilité has received notice of this before red's request, continue to provide Medical expenses cover equivalent the Start date of cover and the original Membership certificates have to the cover in place on the cancellation date on payment of a Pre- been returned and, if applicable, as long as the APRIL Mobilité card has mium indicated by the insurer. been returned if option 1 is selected. In the event of a trip being cut short, there will be no reimbursement of the Premium. Penalties for false declarations Any inaccuracy, omission, concealment or false declaration, intentional or not, on the part of the Insured having a bearing on the nature or level of the risk at the time of application or during 5. Cover and payment of benefits the period of membership will result in a reduction of the benefits or cancellation of membership even if the risk that the Insured 5.1 Medical expenses concealed or distorted has had no impact on the loss. Any omission, concealment, false declaration, intentional or not, 5.1.1 Type and level of reimbursements in making a Claim, failure to declare other concurrent insurance Reimbursement is guaranteed for all medical expenses for treatments cover, the submission of inaccurate supporting documentation listed in the benefits schedule prescribed by a qualified medical authority or the use of any fraudulent means puts the Insured or the and covered by French Social security. Beneficiary at risk of withdrawal of cover and the Cancellation of For treatment dispensed in France, the conditions required for cover membership. to take effect are those defined in the general schedule of professional procedures of French Social security or the common classification of medical procedures or by any other similar body. 4 Magellan 2008 General Conditions Booklet To be retained by the insured The reimbursement of all medical expenses is guaranteed up to the In France and in the country of origin: limit of actual costs, up to the overall limit indicated in the benefits During a temporary return to France or the country of origin (maximum schedule, and up to contractual limits. 90 days), between two periods abroad, the same procedures are cove- The maximum reimbursement made by the insurer under Medical red up to a limit of 100% of the basic reimbursement rate of French expenses cover is 5 200,000 per Membership year per Insured. Social security and with the upper limits mentioned on the pre- During stays of up to 3 months the Insured can opt for reimburse- vious page.This cover complements any benefits that the Insured ments as a top-up to French Social security. In this case he or she may receive from Social security and/or any private health insu- must provide APRIL Mobilité with proof that he or she has recei- rance plans within the limits outlined in the chapter on double ved reimbursements from the French state scheme. insurance. Medical expenses benefits schedule: Option 1: Option 2: reimbursement from the first reimbursement as a top-up to Abroad: euro spent as a percentage the French Social security scheme of actual réels (for stays of up to 3 months) Medical expenses up to 5 200,000 per Membership year Third party payment see definition during approved hospitalisation for 24 hours or more provided on request 24 hours a day (unless you selected option 2) Hospitalisation 100% of actual costs Daily hospital fee 100% of actual costs Private room up to 5 50 per day 95% of actual costs Reimbursement as a top-up Consultations and visits to general practitioners or specialists to the French Social security up to 5 80 per procedure scheme with the same percentages Radiography, diagnostic test, drugs, nursing and specialist procedures 95% of actual costs of reimbursement and the same upper limits as in Option 1. Physiotherapy 100% of actual costs (following hospitalisation paid for directly by APRIL Mobilité) up to 5 50 per session Optical and dental care, except for dental prostheses 100% of actual costs (following a Reported accident only) up to 5 350 per person per year Contraceptives (condoms) up to 5 20 per year up to 5 20 per year 5.1.2 Payment of benefits treatment was given as a direct consequence of a Reported accident, as defined in the Glossary. Option 1: reimbursement from the first euro spent as a percentage of actual costs. Pre-payment agreement: In order to qualify, claims for the reimbursement of medical expenses To obtain the reimbursement of procedures and courses of treatment (forms available online at www.aprilmobilite.com or by calling (physiotherapy following hospitalisation for surgery covered under the +33 (0)1 73 02 93 93) must reach APRIL Mobilité within three months policy etc.) you must request a pre-payment agreement.This form is available of the date of treatment, accompanied by the following: online at www.aprilmobilite.com or by calling +33 (0)173 02 93 93.You must also have received authorisation from the medical examiner. - the original copies of medical bills, fees and prescriptions, paid and dated, and mentioning the name and surname of the patient, Option 2: reimbursement as a top-up to French Social security. the type of illness, and the nature and date of visits and treatments To qualify for reimbursement, all healthcare claims must be sent received. Prescriptions must clearly state the name and price of no more than 3 months after the date of treatment. the drug, and indicate the local currency; The claim must first be sent to the Social security agency. The Insu- - if treatment was dispensed in France, the Member must attach the red should then send his or her Social security reimbursement advice original of the form he or she was given by the doctor ("Feuille de note to APRIL Mobilité - 110, avenue de la République - 75011 Paris - Soins"), prescriptions and pharmaceuticals labels, and any FRANCE to claim his or her top-up payment. April Mobilité may at reimbursement advice notes received from other organisations, any time request proof of expenditure particularly in the case of hos- along with his or her Member reference number; pitalisation or when the Insured or the Beneficiary has been accep- - for reimbursement of procedures carried out by medical auxiliaries, ted under special conditions. dental care and optical costs, the Insured must attach proof that the Photocopies of the following supporting documentation should be 5 Magellan 2008 General Conditions Booklet To be retained by the insured sent directly to APRILMobilité: - all fertility-related treatments; - any agreement to cover courses of treatment and dentures; - psychotherapy, psychoanalysis, treatments for mental illness, - optician's invoice; depression, nervous disorders, and acupuncture; - hospital invoice. - vaccinations, dermatology, medical check-ups and the consequen- ces of tropical diseases; When claiming for the reimbursement of physiotherapy the Insured - costs that could have been incurred when the Insured returned should enclose, with the pre-payment request, proof that the treatment to his or her country of origin; followed surgery which was covered by APRIL Mobilité. - related costs, such as telephone charges, in the event of Hospita- lisation, or costs deemed excessive, unreasonable or unusual in The insurer reserves the right to require any other proof he may the country where they were incurred; deem necessary. - Hospitalisation or stay in an establishment not approved by the competent public authority in the country where such care was In the event of a dispute over the amount of the settlement, the Member provided; must notify APRIL Mobilité to this effect within three months of the - transportation costs other than an ambulance to the closest, date on the reimbursement advice note. No claim will be accepted after appropriate medical centre; this date. - supplies that are not indispensable to the diagnosis or treatment of the illness; The Insured can be reimbursed: - dental care, optical costs, and medical auxiliaries services that do - by cheque in euros sent to the address of his or her choice. He or she not follow a Reported accident; will have no bank charges to pay. In this case, please send us details - medical treatment in hospital or a stay in a sanatorium or home of his or her bank account; if these establishments are not approved by the competent public - by bank transfer to a bank account in France; authority; - by cheque in US dollars only if he or she reside in the United States. - claims for costs incurred in hospitals or clinics which are not He or she will pay bank charges on any payment over 5 75; covered by Social security will be limited to the equivalent Social - by bank charges to a foreign account in any country and in any currency. security rate. International bank details are required including the IBAN number, SWIFT code, his or her bank's address, routing number or sort code and an ABA routing number for the US. Please specify his or her choice of Double Insurance: currency. He or she will pay bank charges on any payment over 5 75. Reimbursements received from any National Health Service scheme, from the insurer and from any other organisation cannot be higher Reimbursements will only be made if the above procedures are than the amount of expenses actually incurred. followed. Double insurance operates within the limits of each type of cover regardless of the date of commencement of cover. Within 5.1.3 Direct payment of hospital fees these limits the Insured can claim reimbursement from the provider Expenses incurred for treatments covered under this policy, particularly of his choice. those related to Hospitalisation of more than 24 hours may be paid directly by APRIL Mobilité (option 1 only) within the limits of cover THE MEMBER RISKS THE CANCELLATION OF THE POLICY IF HE DOES provided under this policy, any excess to be settled directly by the NOT DECLARE ANY DOUBLE INSURANCE ARRANGEMENTS. THIS Member. Hospital costs will be paid directly in accordance with the OBLIGATION REMAINS IN FORCE DURING THE ENTIRE PERIOD OF benefits schedule when carried out under the usual, customary and THE MEMBERSHIP. reasonable conditions in the country of travel unless the medical team expresses a different view at the time of the request for cover. The limits of reimbursement of actual costs incurred is determined by the insurer for each service or treatment covered. Direct payment is only available if Option 1has been selected and subject to the use of the personal "APRIL Mobilité" card issued to the Insured or the use of the emergency contact numbers listed in Article 7.7 up to the 5.2 Repatriation assistance limits of the agreements made locally by the insurer or APRIL Mobilité. Before any intervention and on payment of the Premium, the hospital 5.2.1 Conditions for the implementation of cover must obtain the agreement of the insurers (see the emergency contact To benefit from repatriation assistance, it is obligatory to obtain prior numbers in article 7.7 below). approval from APRIL Mobilité Assistance in the event of illness or serious Accident either by telephoning +33 (0)1 55 92 23 09 (in France) or by faxing +33 (0)155 92 40 50. 5.1.4 Risks excluded from the Medical expenses cover APRIL Mobilité Assistance will intervene only after first aid has In addition to the Exclusions listed in Article 6 below, the following been given on the orders of a competent medical authority. are excluded from cover: - costs that do not give rise to the right to health insurance cover After the initial call, the medical team contacts the on-site doctor in under French Social security; order to take the action best suited to the condition of the sick or - all medical and surgical costs not prescribed by a qualified medi- injured person. cal authority and not covered by French Social security; If the Beneficiary or persons accompanying him or her should take any - cosmetic, anti-aging, weight loss, weight gain, thermal and tha- of the actions listed below, this will only give rise to reimbursement if lassotherapy treatments; APRIL Mobilité Assistance has been notified and has given its express 6 Magellan 2008 General Conditions Booklet To be retained by the insured agreement by providing a reference number. In this case, costs will If it is available, it will be sent as quickly as possible, subject to the be reimbursed based on valid receipts, up to the amount that APRIL constraints of local law and the available means of transport. Mobilité Assistance would have spent if they had organised the service This cover is based on specific demands and under no circumstances themselves. shall it be granted in the context of long-term treatments that neces- APRIL Mobilité Assistance will not be held liable for any professional sitate regular shipments or a request for a vaccine. or commercial damage suffered by the Beneficiary following an incident The Insured is responsible for the cost of the medicines and agrees requiring the intervention of assistance services. APRIL Mobilité to reimburse any excess costs of customs clearance within a maximum Assistance does not replace local or national emergency or search and of 30 days of the date of shipment. rescue agencies and shall not cover the costs of intervention by the same, unless contractual stipulations state otherwise. 5.2.5 Early return due to death of a family member or hospitalisation APRIL Mobilité Assistance agrees to take all actions at its disposal to for more than 5 days fulfil the cover stated herein. However, it is understood that the obligation APRIL Mobilité Assistance will provide the Insured with a return eco- of APRIL Mobilité Assistance is dependent on the provision of means, nomy class airline ticket or first class railway ticket in the event of the not results, considering the context in which the cover is implemented. death or hospitalisation for more than 5 days of a family member (father, mother,sister,brother or legal guardian) in the Insured's country of usual 5.2.2 Repatriation for health reasons residence. In the event of Accident or illness, APRIL Mobilité Assistance doctors Outbound travel must be made within eight days of the date of death. will contact on-site doctors and take the decisions best suited to the This benefit is acquired when the date of death is later than the date of condition of the Insured, based on the information gathered and medical the Insured's departure abroad. requirements. APRIL Mobilité Assistance reserves the right to verify the reality of the If the APRIL Mobilité Assistance medical team recommends the Insured covered event (hospital report, death certificate, etc.) prior to any pro- be repatriated, this team will organise and carry this out, based on vision of services. the medical requirements they deem appropriate. Repatriation may be to: 5.2.6 Search and rescue costs - the hospital best suited to the situation, The purpose of this cover is to reimburse the Insured for the costs of - or the hospital nearest the Insured's home in his or her usual country search and rescue, in either the private or public domain, by specialised of residence or in the main country of residence, teams equipped with all resources, including a helicopter, needed to - or his or her home in the country of usual residence or in the main locate the Insured and evacuate him or her to the nearest equipped country of residence. reception centre, up to a limit of 5 5,000 per Insured and 5 15,000 per If the Beneficiary is hospitalised in a health centre outside the hospital event. district of his or her usual place of residence, APRIL Mobilité Assistance In all cases, this cover is limited to the total amount that the Insured must will organise his or her return after it has been established that his or pay, based on invoices to be paid in full or in part, to official entities her medical condition is stable, and will have the Beneficiary transferred that have taken part in search or rescue efforts. This cover takes effect to his or her home in the country of usual or current residence. to complement, or after exhaustion of, any other similar cover that the Repatriation may be carried out by light sanitary vehicle, ambulance, Insured may have. train, scheduled airline, or air ambulance. The Insured, or anyone acting on behalf of the same, must provide APRIL The medical team is solely responsible for the final choice of place and Mobilité Assistance with immediate verbal notice no more than 48 hours date of Hospitalisation, the need for the Insured to be accompanied, after the intervention, also indicating the reasons for the same. In the and any means or resources to be used. five days following the date of invoice, the Insured or his or her Any refusal of the solution proposed by the medical team will result beneficiaries must send the following documents directly to IPA - APRIL in the cancellation of personal assistance cover. Mobilité Assistance, Service Gestion des Sinistres, 6 rue André Gide, APRIL Mobilité Assistance may require the Insured to use his or her 92320 Châtillon FRANCE: own transport ticket, if this can be changed. - the original paid invoice(s), indicating the date, motives and nature of the intervention; 5.2.3 Presence of a relative for Hospitalisation of more than 6 days - an initial medical certificate stating the nature of the unforeseeable If the condition of the Insured does not permit or does not necessitate illness or bodily Accident, sent confidentially to the medical examiner his or her repatriation, and if the Insured stays in a local hospital for 6 of Inter Partner Assistance, if applicable; or more consecutive days, APRIL Mobilité Assistance will provide a - a death certificate or police report, as applicable. return economy class airline ticket or first class railway ticket for a family Costs are reimbursed either to the Insured or to the beneficiaries member or a companion to be with the Insured. of the same. Any reimbursement that does not comply with This cover is acquired only if a (legally adult) family member of the these regulations will result in forfeiture of all right to Insured is not on site. reimbursement. APRIL Mobilité Assistance will organise and cover accommodation costs (bed and breakfast only) for up to 10 nights at a rate of 5 80 per night. No other temporary accommodation will give rise to compensation of Cover also excludes search and rescue costs: any kind. - resulting from failure to observe the precautions stated by the operators of the site and/or the regulations governing the 5.2.4 Search for and shipment of medicine not available on site activity engaged in by the Insured; If it is impossible to find indispensable medicine or its equivalent on - resulting from the practice of a professional sport, or partici- site, when such medicine has been prescribed before departure by the pation in an expedition or competition, unless expressly stipulated Insured's doctor in the usual country of residence, APRIL Mobilité Assis- otherwise. tance will search for it in France. 7 Magellan 2008 General Conditions Booklet To be retained by the insured 5.2.7 Repatriation of body in case of death and Provision of coffin This advance is made through an on-site lawyer up to a limit of 5 15,000 In the event of the death of the Beneficiary, APRIL Mobilité Assistance per event. will organise and undertake repatriation of the body or ashes of the The Beneficiary must reimburse this payment to APRIL Mobilité Assistance: deceased until burial in the usual country of residence. - after restitution of the bond in the case of nonsuit or acquittal; APRIL Mobilité Assistance will cover the costs of post-mortem treat- - within 15 days of judicial sentencing being carried into effect in ment, placement in coffin and necessary transport arrangements. APRIL the event of conviction; Mobilité Assistance will organise and cover the cost of coffin trans- - in all cases, within three months of the date of payment. port up to a limit of 5 1,000. The family of the Insured is responsible for the costs of the funeral, cere- 5.2.13 Legal assistance abroad mony, procession, and burial or incineration. APRIL Mobilité Assistance will pay the costs of an on-site lawyer up The choice of companies taking part in the repatriation process rests to a maximum of 5 3,000 per event. solely with APRIL Mobilité Assistance. 5.2.14 Transmission of urgent messages 5.2.8 Accompanying the deceased If it is physically impossible for the Beneficiary to transmit an urgent mes- In the event of the death of the Insured, if it is essential for a family sage and if the Beneficiary so requests,APRIL Mobilité Assistance will,at member or a friend to be on site to identify the body and complete no charge and by the fastest possible means,transmit messages or news the formalities involved in repatriation or incineration of the deceased, from the Insured to members of his or her family, relations or employer. APRIL Mobilité Assistance will provide a return economy class airline APRIL Mobilité Assistance may also act as intermediary in the opposite ticket or first class railway ticket. direction. This cover is applicable only if the Insured was alone on site at the Messages remain the sole responsibility of their authors, who must be time of his or her death. identifiable, APRIL Mobilité Assistance acts solely as an intermediary in the transmission of the messages. 5.2.9 Return after stabilisation When, after repatriation for medical reasons, the collaborator is ready 5.2.15 Travel assistance in the event of loss or theft of personal items to continue with his or her professional activity, APRIL Mobilité On trips abroad, in the event of loss or theft of the Beneficiary's personal Assistance, with the agreement of the medical team, will organise items (identity documents, means of payment, baggage) or transport the return to his or her country of employment, in order to continue tickets, and after an official statement has been made to the competent the interrupted mission. local authorities, APRIL Mobilité Assistance will do everything possible APRIL Mobilité Assistance will pay the cost of a single one-way economy to assist the Beneficiary with proceedings. class airline ticket or a first class railway ticket. APRIL Mobilité Assistance is not authorised to stop payments on This cover cannot be applied concurrently with the benefit: "Sending behalf of third parties. a substitute collaborator" . If replacement documents are made available in the country of residence, APRIL Mobilité Assistance will forward them by the fastest 5.2.10 Sending a substitute collaborator means available. In the event of the death of the Beneficiary, or if the Beneficiary must APRIL Mobilité Assistance may make a maximum advance payment of be hospitalised for 10 days or more, APRIL Mobilité Assistance will 5 750 per event to enable the Insured to make immediately essential organise and pay for a single one-way economy class airline ticket or purchases. a first class railway ticket to send a substitute collaborator from the If a transport ticket is lost or stolen,APRIL Mobilité Assistance may provide Insured's usual country of residence to the country of employment. the Insured with a new, non-negotiable ticket paid in advance. This request must be made by the Member no more than 8 days These advance payments may be made against a security provided either after the death or the medical decision to repatriate made by the by the Insured or by a third party.Reimbursement of all advances must be assistance service. made within 30 days of the date on which the funds are made available. This cover cannot be applied concurrently with the benefit: "Return after stabilisation" . 5.2.16 Limitations on cover When APRIL Mobilité Assistance organises and pays for repatriation 5.2.11 Early return in the event of loss at home or transport, the Beneficiary may be asked to first use his or her own If the Beneficiary is away from home and if his or her presence is indis- travel ticket. pensable there to carry out necessary formalities, APRIL Mobilité When APRIL Mobilité Assistance has, at its own cost, assured the return Assistance will organise the transport of a Beneficiary and any minor of the Beneficiary,the latter must return the unused travel ticket to APRIL children who cannot be cared for where they are, to the said home. Mobilité Assistance. APRIL Mobilité Assistance will pay for a single one-way economy class airline ticket, a first class railway ticket or a category A or B ren- tal car for up to 24 hours, as long as the transport tickets for the planned 5.2.17 Exclusions to Repatriation Assistance cover return cannot be used or changed. Medical exclusions: This cover is granted within 72 hours of the date of the event or knowledge of the loss, and the Beneficiary must be more than In addition to the Exclusions stated in Article 6 below, Assistance 50 km from his or her home. cover does not cover costs resulting from the following situations or events (which shall not give rise to compensation of any kind 5.2.12 Advance of bail abroad nor to any action on the part of APRIL Mobilité Assistance): Abroad, APRIL Mobilité Assistance will provide the bail required by - any action and/or reimbursement relating to medical check-ups foreign authorities to free the Beneficiary or to enable him or her to avoid or preventative screenings; incarceration. - benign ailments or injuries that may be treated on site and which 8 Magellan 2008 General Conditions Booklet To be retained by the insured do not prevent the Insured from travelling; Proximate cause: personal accident, illness, death or legal difficulties - convalescences, ailments currently under treatment and not yet encountered by the Beneficiary. stabilised and/or needing further scheduled care; Usual country of residence: the Beneficiary's main country of residence. - illnesses already existing before departure and involving a risk of deterioration or relapse; - ailments that have led to Hospitalisation in the six months prior 5.3 Counselling to departure; - possible consequences (follow-up, additional treatments, relap- This cover allows the Insured to benefit from a 24 hours a day, 7 days ses) of an ailment that has led to repatriation; a week counselling service, either by telephone (+33 (0)1 53 04 62 - fertility treatments; 75) or by e-mail (firstname.lastname@example.com). This benefit is limited to five - pregnancy, childbirth and their consequences involving new- sessions per Membership year. The Beneficiary is responsible for the borns, voluntary termination of pregnancy; cost of communications. This counselling service is organised in - cosmetic surgery, dermatological treatments, travel for the pur- collaboration with PSYA, a company specialised in providing psy- pose of diagnosis and/or treatment; chological assistance to persons temporarily abroad. The Insured - the results of a failure or inability to receive a vaccination, or the accessing this service will be put in contact with the PSYA counselling consequences of a vaccination or other treatment needed or team made up of Clinical psychologists, psychologists specialised in mandatory for travel; victimology, and qualified and trained Expert consultants. - tropical diseases, congenital diseases or deformities; - AIDS and STDs; How the service operates: - the result of a voluntary disregard for regulations in the visi- By dialling the telephone number, the Insured will be put immediately ted country, or the practice of activities not authorised by local in contact with a counsellor. Calls handled by the counsellors are authorities; kept totally anonymous and confidential, in accordance with the - the results of participation in a wager, challenge, duel or crime; psychologists' rules of professional conduct. - the results of failing to respect recognised safety rules related At the first call, the Insured will be given a reference number. This to the practice of sports activities; number will be required at the time of any further calls so that a quick - the costs of a stay, except those agreed to in advance with the link can be made to his or her file. assistance service; If, despite the systems in place, PSYA is not able to respond immediately - the cost of fuel, tolls, or ferries; to the Insured's calls, the latter will be called within no more than - costs not supported by original documents; one hour. - all other costs not stipulated in the agreed cover. Scope of psychological counselling: The following are not covered and will not give rise to reimbursement: Within the strict bounds of the rules of professional conduct applicable - medical costs, treatments, stays in rest homes, rehabilitation to the profession of psychology, the counsellors conduct professional costs, contraception and fertility treatment costs, the cost of glas- counselling that is non-leading, non-compassionate and non- ses, contact lenses, or cosmetic, dental or acoustic prostheses; interventionist, while keeping a sympathetic distance and neutrality. - repeated transport required by the Insured's state of health. This telephone service is not, however, simply a listening service. The counsellor listens to what the other person is saying. He or she unders- Medical exclusions from Repatriation assistance cover may be tands the unconscious bases and sense of what is said and, based on included in Medical expenses cover under the policy. the words or silences noted, enables the Insured to understand the sense of what he or she is saying. The "sense" means a person's invol- vement in a given situation, the benefits he or she can paradoxically draw from it, and the impediments that the person is putting in the 5.2.18 Glossary of terms: Repatriation Assistance way of resolving the situation. The goal of telephone counselling is to enable the Insured to release Abroad: any country covered under the policy outside the beneficiary's built-up tension by putting experiences into words, thereby helping usual country of residence. the person achieve greater balance. Beneficiary: person under the age of 75. Telephone counselling must not be confused with face-to-face Country of residence: the beneficiary's main country of residence psychotherapeutic work. Under no circumstances is PSYA authorised during his or her stay abroad. to undertake psychotherapy by telephone. Family member: parents, sister, brother or legal guardian of the bene- ficiary who reside in the same country as the beneficiary. 5.4 Personal liability Illness: any sudden and unexpected alteration in the state of health, certified by a competent medical authority. 5.4.1 Purpose of the cover Medical authority: person holding a medical or surgical diploma which We cover the pecuniary results of any Personal liability that the Insured is valid in the beneficiary's country of residence. may incur by virtue of the laws and regulations in force in the country where he or she is staying, in a private capacity only. Medical team: structure adapted to each individual case and defined Cover applies in the event of Bodily injury or Material damage to other by our liaison doctor. persons, particularly as a result of: Personal accident: any sudden, unexpected and violent event from an - his or her own actions or those of persons for whom he or she is external source not intended by the victim and resulting in grievous responsible; bodily harm. - things or animals owned or kept by the Insured; 9 Magellan 2008 General Conditions Booklet To be retained by the insured - any sport or outdoor activity practised by the Insured (except Exclusions undertaken in the course of a single Membership year, with a minimum mentioned below); Intervention level of 5 228. This amount will not be reimbursed, - liability incurred through participation in internships, with regard to regardless of the duration of the legal action. those holding the internship, for damages caused to materials Any claims under the policy must be made by the Insured by registered used during the internship. letter to APRIL Mobilité no more than 15 days after he becomes aware of it. The claim should include details of the events surrounding the 5.4.2 Limitations on cover claim and their consequences. - Bodily injury: 5 4,500,000 per Claim. - Material and consequential damage to a third party: 5 460,000 per 5.5.3 Specific provisions Membership year; Consequential damage is included for up to 20% of the Insured amount, that is 5 92,000. Excess of 7 76 per Claim. Disputes: - Damage caused to the materials of those holding the internship, In the event of disputes regarding the measures to be taken to settle a used during the internship: 512,000 per Membership year. Excess of difference, this matter may be submitted to a third party designated 7 76 per Claim. by mutual agreement or else to the president of a departmental court Any claims under the policy must be made by the Insured by registered to act as arbiter.The insurer will cover the costs of establishing this faculty. letter to APRIL Mobilité no more than 15 days after he becomes aware However, the president of the departmental court may decide other- of it. The claim should include details of the events surrounding the wise if the Insured has established this faculty under abusive conditions. claim and their consequences. If the Insured undertakes litigation at his or her own cost and obtains a resolution that is more favourable than that proposed by the insurer or by the third person mentioned above, the insurer will 5.4.3 Exclusions from Personal liability cover reimburse the Insured the costs incurred up to the cover limit. When the procedure described above is put in motion, the time limit on Apart from the Exclusions stated in Article 6 below, the following are appeals is suspended for all legal proceedings covered by the insurance excluded from this cover: and which the Insured may undertake, until the third person entrusted to - damage resulting from any professional activity (except for propose a solution has been made aware of its contents. damage to materials used during internships); - the pecuniary results of contractual liability incurred by the Choice of lawyer: Insured beyond any liability incurred with regard to those holding In the event of legal or administrative action requiring the participation an internship for damages caused to materials used during the of a lawyer or any other person qualified by law or current regulations to said internship; represent the interests of the Insured, the latter has free choice and the - the traffic risks set forth in French law number 58208 (February insurer will pay the fees directly. 27, 1958) on compulsory motor vehicle insurance; If the Insured does not know a lawyer, the insurer may make one availa- - Accidents suffered by the Insured, his or her employees or servants ble to the former.The aforementioned free choice is also applicable if there in the course of their duties, as well as by his or her ascendants is a conflict of interest between the Insured and the insurer. or descendants; - damage caused to objects or animals owned or kept by the Insured; 5.5.4 Exclusions from Legal cover - related fines and costs for which the Insured may be liable; Apart from the Exclusions stated in Article 6 below, the following are - damage resulting from the Insured's use of any air navigation excluded from cover: devices; - damage resulting from pollution; - cost of legal action when the author of the damage is the Insured - any spills, scratches or abrasions to sanitary fixtures, and any under the contract; breakage of crockery or damage to bed frames or bedding. - legal action in the case of Bodily injury or Material damage suffered by the Insured when he or she is using any kind of motorised land vehicle; - legal action when less than 7 228 in Compensation is to be 5.5 Legal cover obtained; - claims relating to material damage grounded in the failure to For legal recourse under Law number 891014 (December 31st, 1989) perform or poor performance of a contractual obligation on the and the decree of August 1st, 1990, the insurer shall pay, up to the cover part of the party responsible. ceiling stated below, the costs of trials, proceedings, inquiries, expert consultants, enforcement of judicial orders and lawyers' fees. 5.5.1 Purpose of the cover 5.6 Personal accident The insurer shall claim monetary redress of the responsible party, either by mutual agreement or by judicial order: 5.6.1 Accidental death - for Bodily injury suffered by the Insured in the course of covered activities; The insurer shall pay the Beneficiary or Beneficiaries a maximum sum - for Material damage that would have been covered under Article 5.4 of 5 8,000. if they had involved Personal liability. If the Insured is less than 16 years of age at the time of his or her death, payment is in all cases limited to funeral costs. 5.5.2 Maximum amount and minimum Intervention level Cover applies to the death of the Insured occurring no more than The maximum amount for any action taken is 5 3,100 for all litigation one year after an Accident that has caused fatal injuries. 10 Magellan 2008 General Conditions Booklet To be retained by the insured However, if the Insured dies after having received compensation for The degree of Disability is determined by the medical examiner and permanent disability from the insurer for the same accident, the the insurer after stabilisation of the injuries: heirs will receive the sum stipulated in the event of death, minus the - if the degree of partial permanent Disability is less than or equal to amount of the said compensation. 20%, no Compensation is due. - if the degree of partial permanent Disability is greater than or Beneficiary in the event of death: equal to 20%, Compensation shall be equal to 5 35,000 multiplied The Beneficiaries are named on the application form.The Member can by the recognised degree of Disability. change the named beneficiaries at any time. The naming of the beneficiary can be done privately (e.g. by letter) or officially (e.g. in a If the Insured is affected by a Disability prior to the occurrence of the will lodged with a solicitor).The Member must send a dated and signed covered Accident, injuries resulting from the former will not be taken letter to APRIL Mobilité informing them of any change of beneficiary. into account. If there is no named Beneficiary, or if the designation proves to be null and void, the amounts due will be paid first to the surviving spouse on However, if the limb or organ already affected is affected by other condition that they were neither divorced nor legally separated, second injuries, compensation will be based on the difference between the to the children living, to be born or represented as such for the purposes state of the limb before and after the Accident. of inheritance, equally, and third, to the other heirs, equally. If the Insured has not undergone the treatment that he or she was Where the Beneficiary is named, the Member can include his or her prescribed, compensation will be based on the estimated consequences contact details in the policy document to be used by the insurer in the of the same Accident if the required treatment had been followed. event of the Insured's death. Necessary documents: Consequences of the Beneficiary's acceptance of the designation: The Insured must make the Accident claim as quickly as possible to The person named as Beneficiary in the event of the Member's death APRIL Mobilité. The claim must include all details on the seriousness, can, at any time, accept the designation by contacting the insurer or causes and circumstances of the Accident. APRIL Mobilité. He or she is not required to inform the Member of this. The Insured must also: If the designation is accepted by the Beneficiary he or she must agree - forward all documents proving his or her identity and/or marital to any subsequent cashing in of the policy or change of beneficiary. status; If his or her agreement is not obtained, the insurer will be unable to - forward a certificate from the doctor called to give first aid, describing carry out the wishes of the Member. the exact nature and current state of the injuries, as well as their In the event of death of an Insured person between 16 and 18 years consequences; of age, payment reverts to the Insured's parents in equal parts, or failing - forward all documents needed to establish the fact and significance this, to the Insured's other heirs. of the Accident; The right of Beneficiaries to payment depends on their existence two - submit to a medical exam by the Insurer. days after the date of the Insured's death. Necessary documents: In addition to the Exclusions stated in Article 6 below, the following The policyholder must declare the death of an Insured as quickly as are excluded from cover: possible, forwarding the supporting documents necessary for settlement, - continuations and consequences of illnesses, heatstroke or other namely: temperature-related effects (unless these are the result of a - an extract of the death certificate; covered accident), drowning is always covered; - an extract of the birth certificate; - a medical certificate stating the date of death and whether the death - rupture of aneurysm, attacks of paralysis or apoplexy, angina was natural, accidental, or the result of an excluded incident; pectoris and its consquences, all results of vascular illnesses, - any document proving the identity and/or marital status; hernias of all kinds, lumbago, rheumatism, varicose veins, - any document stating the cause and circumstances of the Accident dermatosis and, regardless of the circumstances in which they that led to the death; appear, Accidents that result from a pathological condition of - an admission certificate (issued by the hospital); the victim. - any document that proves the existence of the Accident and the direct cause-and-effect link between the accident and the death. Settlement is made with the nominated Beneficiary within 20 days of 5.7 Baggage receipt of these documents. If there are several Beneficiaries, the lump sum will not be divided up 5.7.1 Cover by the Insurer who will release the sum in return for a receipt signed jointly by the interested parties. This provides cover up to 5 1,200 for all baggage, objects and personal effects carried by the Insured during outbound or inbound travel, 5.6.2 In the event of total or partial permanent Disability following an against the risks of loss, theft or destruction (explosion, fire, or water Accident damage). In the event of total permanent Disability, that is a degree of Disability Registered or accompanied baggage is covered, as well as clothing and of 100%, the insurer will pay the Insured the fixed sum of 5 30,000. personal effects, cameras, photographic equipment, binoculars, hi-fi and computer equipment of all kinds owned by, or leased, rented or In the event of partial permanent Disability, payment will be reduced lent to the Insured during his or her stay. based on the recognised degree of Disability. However, if the baggage is registered with a carrier, we will take action 11 Magellan 2008 General Conditions Booklet To be retained by the insured only after due claim has been made to the carrier and after deducting 6. Exclusions common to all cover any Compensation that may be provided by the latter as a result of its own liability. In the event of the disappearance of baggage or the contents of Apart from the Exclusions from each individual area of cover, baggage entrusted to a hotel operator, we will take action after all cover excludes the results and consequences of : deducting any Compensation that may be provided by the depositary or its Insurer as a result of its own Personal liability. - intentional or fraudulent acts on the part of the Insured or the The insured must make the claim in writing to APRIL Mobilité within Beneficiary and/or violations of the law of the country in which five working days following the incident. Beyond this period APRIL the Insured is staying; Mobilité may reject your claim. - voluntary participation in fights, popular movements wherever Works of art and collector's items, silverware, jewellery, precious they may take place and whoever those involved may be, except stones and pearls, valuable paintings, furs, video recorders, cameras, in legitimate self-defence; binoculars, any type of hi-fi or IT equipment and hunting rifles are - civil or foreign war,riots,strikes,acts of terrorism,piracy or sabotage; covered up to 50% of the insured sum.For all Claims, the Insured - suicide or attempted suicide by the Insured, use of drugs or nar- will pay a 7 30 Excess. cotics without a medical prescription, alcoholism or drunkenness on the part of the Insured (blood alcohol concentration above that stipulated by vehicle traffic laws in force on the day of the Exclusions from baggage insurance cover loss); - the direct or indirect effects of changes in atomic structure, Apart from the Exclusions stated in Article 6 below, the following are climatic events such as storms or hurricanes, earthquakes, not covered under this article: flooding, tsunami or other cataclysms, unless in the context of - cash, banknotes, securities of all kinds, documents, travel tickets; compensation for natural disasters; - smoking-related Accidents, damage to objects that fall or are - Accidents or illnesses,ailments,deformations prior to the Start date thrown into a fireplace, or scorched by excess heat; of membership that are liable to recur or progress, and congenital - damage to electrical devices due solely to their own functioning illnesses or deformations not declared at the time of membership; or malfunctioning; - sailing or pleasure boating on the high seas; - damage to covered goods resulting from their confiscation or - dangerous sports such as microlighting, hang-gliding, paragliding, detention by customs officials or other public authorities; driving cars, motorcycles or gocarts, parachuting, mountain - breakage or damage to delicate or fragile objects such as watches, climbing, rock climbing, underwater diving except for free-diving cameras, eyeglasses and computer equipment; up to 50 meters, caving, the skeleton, ski jumps, bobsleighing, - normal wear and tear; bungee jumping, rafting, canyoning, airballooning, jet-skiing and - theft committed by members of the Insured's family, pursuant sports practised off piste: skiing, cross-country skiing, sledging, to Article 380 of the Criminal code, or with their complicity, or snowboarding; by domestic workers or servants of the Insured in the course of - participation in any competitive sports or trainings, the practice their work; of sports within a club or federation, either as a professional or - theft committed under the following circumstances: an amateur, and any sport requiring the use of any kind of a) in the case of registered baggage, if the theft was facilita- land, sea or air motor or engine; ted by poor or defective packaging; - air navigation Accidents unless the Insured is simply a passenger b) when objects were left unattended in a public place or in a aboard an aircraft for which the owner and the pilot have all place open to use by several occupants; required permits and licenses. c) when objects were left: - in a convertible vehicle; - in a vehicle with windows that were not closed; - in a vehicle with doors or boot that were not locked; - between 10 p.m. and 7 a.m. in an automobile not parked in a public or private garage, except for objects in the hold or 7. General conditions boot of a bus or coach. 7.1 Limitation All action deriving from this agreement is limited to a period of two years from the date of the event giving rise to the same, pursuant to articles L.114-1 and following of the Insurance Code. This period shall be extended to 10 years if the Beneficiaries are heirs of the Insured. 7.2 Subrogation It is stipulated that the insurer shall not renounce the rights and actions pertaining to it by virtue of Article L.121-12 of the Insurance Code, relating to the summary remedy it may seek for third party liability. 12 Magellan 2008 General Conditions Booklet To be retained by the insured 7.3 Audit Excess: sum for which the Insured is responsible in the settlement of a Claim. The insurer reserves the right to challenge the grounds of certain decisions Exclusions: that which is not covered by the insurance policy. All and to demand that the Insured provide any proof necessary to determine policies include exclusions from cover. exact cover, particularly by forwarding medical certificates, surgery reports and/or a second opinion by the insurance company's doctor. Expert consultant: psychologist, psychotherapist or doctor trained in behavioural and cognitive therapies. Hospitalisation: period of stay in a public or private hospital imme- 7.4 Conciliation / Jurisdiction diately subsequent to an accident or illness. This contract has been made and signed in good faith and the parties Insured: the Member, an individual who has been granted the insu- agree, in the event of a dispute, not to take legal action until they have rance and whose life, actions and goods are covered under this contract. attempted to reach a conciliatory agreement.To this effect, each party Intervention level: minimum amount above which the Insurer will will name an arbiter. If the two arbiters cannot agree on a decision, consider direct intervention or reimbursement. they will choose, by mutual agreement, a third arbiter to break the Material damage: damage affecting the structure or substance of a deadlock and all three will act on a majority decision. Each party will thing and resulting in a covered event. pay the costs and fees of its arbiter, as well as half the fees of the third arbiter, if applicable. Member: a person who is member of the Association and who has The Insured agree to submit to the jurisdiction of the courts of Paris adhered to the group agreement. and waive the right to any proceedings in any other country. Membership certificate: document issued to the Member by APRIL Mobilité confirming his or her membership of the Magellan plan and specifying the Start date of membership, levels of cover and options 7.5 Data Protection of Freedom of Information selected. The Insured has the right to receive and correct any information on Membership year: one-year period that separates two anniversaries him or her contained in any file used by APRIL Mobilité, its represen- of the Start date of cover. tatives or insurers. The right to access and correct information may Personal accident: cover for the payment of money in the case of death be exercised at APRIL Mobilité headquarters (Law 78.17 of January 6, or Disability on the part of the Insured as a result of an accidental event. 1978, amended). Personal liability: the legal obligation of all persons to repair damage caused to others. 7.6 Glossary Precedents: events prior to the membership that suggest the existence of a risk.This is a determining factor in risk evaluation and therefore in Each term defined below, when spelled with a capital letter, has the determining the insurer's liability and the amount of the Premium. following meaning: Premium: sum paid by the Insured in exchange for the cover Accident: any physical injury not intended by the victim, which is the granted by the insurer. result of a sudden action with an external cause. Pursuant to Article Reimbursement basis of the French Social security rate: reimburse- L.1315 of the Civil Code, the Member is responsible for providing proof ment basis used by the French Social security scheme for procedures of the Accident and of the direct cause-and-effect relationship or prescriptions performed or issued by health professionals. Where between the accident and the costs incurred. generic medicines exist, the reimbursement basis shall be the flat Actual costs: set of medical expenses billed to the Insured. rate corresponding to the price of a generic medicine. Beneficiary: person who receives Compensation or money from the Request for pre-payment agreement: form completed by a qualified insurer. medical authority enabling the Insured to obtain an agreement from Bodily injury: injury affecting a person's physical integrity. APRIL Mobilité for certain medical procedures or treatments. Reported accident: an accident recorded by a competent authority (police force, Certificate of insurance: document issued by the insurer, presuming fire fighters, medical authority, etc.) and for which a certificate has been the existence of the contract. Article R 211-17 stipulates that this docu- issued. ment acts as proof of insurance during the valid period of the insurance. Start date: date on which cover under a contract takes effect. This is Claim: event, illness or Accident which gives rise to cover when the the date on which the policy starts. contract is in effect. Termination: final and early cancellation of the contract. Compensation: sum paid to repair damage or injury suffered by the Insured or a victim. Third party payment: with the insurer's prior agreement and if the Insured is hospitalised for more than 24 hours, direct cover of hospital Consequential damage: all damage other than physical or material fees is available to holders of the APRIL Mobilité card. ones resulting directly and immediately from physical or material dama- ges covered by the insurance. (total or partial) Disability: Disability immediately subsequent to an illness or accident making it totally or partially physically impossible Daily charge: share of the fixed daily charge of a hospital stay not cove- (as medically verified and recognised by the insurer) for the Member red by the French Social security system. to carry out the normal exercise of his or her profession or another pro- Equivalent Social security rate: rate applicable to medical treatment dis- fession with conditions equivalent to the one he or she had before pensed by private sector practitioners or clinics not covered by Social security. stopping work after the illness or Accident. 13 Magellan 2008 General Conditions Booklet To be retained by the insured Valuables: pearls, jewellery, wrist watches, furs, devices and accesso- ries for the reproduction of images, hunting arms and portable computers. Victim support counsellor: a psychologist who holds a diploma in Vic- timology or has been trained in victim support counselling to individuals or groups. Waiting period: period starting from the date of commencement of cover during which certain types of treatment will not be reimbursed. 7.7 Emergency contact numbers Claims for reimbursement must be addressed in all cases to: APRIL Mobilité Service Prestations 110, avenue de la République 75011 Paris, FRANCE Telephone: + 33 (0)1 73 02 93 93 Fax: + 33 (0)1 73 02 93 90 For assistance benefits, you must have received prior agreement from APRIL Mobilité Assistance either by calling +33 (0)1 55 92 23 09 (reverse charge call) within France or sending a fax to +33 (0)155 92 40 50. Remember to include the Insured's reference number shown on the APRIL Mobilité card. To obtain direct payment of Hospitalisation benefits, if you selec- ted Medical expenses Option 1: - if you are in the United States, Canada or certain parts of Mexico, dial (+1) 866 299 2900 (freephone); - if you are in a South American country, dial (+1) 305 3816977 (reverse charge call); - if you are in a European or African country, dial +33 (0)1 73 02 93 99, fax: +33 (0)1 73 02 93 70; - if you are in the rest of the world, dial +33 (0)1 55 92 23 09. To benefit from the Counselling service: - Tel: +33 (0)1 53 04 62 75 - E-mail: email@example.com 14 APRIL Mobilité by your side Specialising in insurance for people living outside their home country, APRIL Mobilité provides simple and innovative healthcare and life insurance products for individuals, businesses and the self-employed. Our products meet the needs of travellers, expatriates, impatriates, employees on assignment abroad and students. For more than 30 years, APRIL Mobilité (formerly AIPS) has been wholly committed to total client satisfaction by means of our clear and easy to understand products supported by a range of services and top quality management of your insurance choices. Personal and Group Insurance for expatriates, impatriates and travellers www.aprilmobilite.com APRIL, tailor-made insurance solutions April provides a wide range of insurance solutions meeting the needs of individuals, professionals and businesses across all areas of insurance. Any reproduction of any kind, either partial or total, of the said elements and text is prohibited and will result in prosecution. Non-contractual document. July 2008. To find out more about our insurance solutions www.aprilgroup.com APRIL GROUP, changing the face of insurance From our beginnings in 1988, the APRIL GROUP has been committed to changing the face of the insurance industry by ensuring that the client is always at the heart of our business. Today, more than 2.5 million people know they can count on our 2460 employees and 61 companies to protect their goods and families day after day. All trademarks, logos, graphics and commercial material in this document are registered. For more information, contact your insurance consultant: APRIL MOBILITÉ MEMBER OF APRIL GROUP Headquarters 110, avenue de la République - 75011 Paris - FRANCE Tel: +33 (0)1 73 02 93 93 - Fax: +33 (0)1 73 02 93 90 E-mail : info @ aprilmobilite.com - Internet : www.aprilmobilite.com Public limited company with capital of 5 200 000 - Registered with Companies House in Paris under number 309 707 727 Insurance broker - Registered with ORIAS (Organisation for the registration of insurance brokers) under number 07 008 000 (www.orias.fr) Regulatory body for Insurance Activities - 61, rue Taitbout 75436 Paris cedex 09


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From Wikipedia, the free encyclopedia - View original article
Cerefolin is a prescription medication made by Pamlab that contains 5.635 mg of folate as L-methylfolate, 1 mg of vitamin B12 as methylcobalamin, 50 mg of vitamin B2 as riboflavin, and 5 mg of vitamin B6 as pyridoxine. It is approved by the U.S. Food and Drug Administration for the treatment or prevention of vitamin deficiencies.[citation needed]
"Cerefolin NAC" contains L-methylfolate (as Metafolin) 5.6 mg, methylcobalamin 2 mg, N-acetylcysteine 600 mg.[1]
This article needs additional citations for verification. (September 2014) |
This drug article relating to the gastrointestinal system is a stub. You can help Wikipedia by expanding it. |

subset: commoncrawl


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RE: Wildwood Down the DrainSubmitted by G- (not verified) on Wed, 10/24/2007 - 9:42pm.
The diatribe I have just read is insulting.You disregard the actual threat of the situation and regress into housing levels, in your mind, as if the law is served on a salary/living threshold. If the law cannot be enforced due to negligence, or ignorance, you will eventually see vigilante law as drivers continue to ignore the risks, and are extremely dangerous for the children.
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Also you could just stop singing along, because you suck at it.
Also you could just stop singing along, because you suck at it.
And cue the angry "responsible" parents in 3, 2, 1…
Is almost undoubtably a rapist. Just like every other college football player.
There will be no hating on this allowed. It's too awesome.
You are clearly lowering your standards for the funny. There's like…3 hot guys on there.
I literally cannot tell you how much Buzzfeed is wrong sometimes. Wrong in concept? No. Wrong in casting? So so much. HELEN MIRREN IS GANDALF. SUSAN SARANDON IS SARUMAN. (Even if just for alliterative purposes.)
Wow. Buzzfeed woke up with a case of the grumpies today. Maybe they need an Oreo. Wonder if…
//facepalm Wahhhh…everything is offennnnnsive…No. Why does her weight matter? It doesn't, and you're the only one making it matter. I weigh 240 pounds proudly all the time. I talk about it all the time because it's WHAT I'M MADE OF. Why is her CLEARLY CONSCIOUS choice to show off her fantastic body an issue for you? She clearly doesn't give a shit, why do you? Either everything is offensive, or nothing is. Look for the beauty in everything, including the fact that she's obviously a complete badass.
Nothing is offensive. Everyone go home.
You clearly have never been to Minneapolis.
Not shameful. Right. Shame the fuck out of those kids. Put a fucking condom on.
JOHNNY MICHEALS!!! Internet rich. That dude makes the best cocktails in the world. La Belle Vie Lounge, Best Bartender in America, Esquire Mag.
The Avocado Bacon Pineapple Teriyaki Cheeseburger at Fuji Burger in Huntington Beach.
Literally, exactly opposite of this. 3 things. Population, Guns, and Self-Reliance.
Because Kobe Bryant has ever read "The Great Gatsby." Or knows how to read.
Top 5 Reasons West Coast
1. The weather, if you're south of Santa Cruz.
2. The beer.
3. The weather, if you're south of Santa Cruz and less than 10 miles from the Pacific.
4. The hamburgers.
5. The outdoor activities. ( I think this list was going for…"You can be outside and people have fun there." But, come on.)
I think it's way better over here, but this list sucks.
What if she's right?


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All other countries may order by calling 1-800-991-7116
We only offer superior quality, physician-approved products
Our Healthy Foundation Pack gives you the strong foundation you need for building and maintaining greater wellness with four solid pillars of essential support:
Give your body the key foundational nutrition it's often denied, but so greatly needs. Help build and maintain your own greater wellness — order our Healthy Foundation Pack today
Get Special Bundled Savings with Healthy Foundation Pack — save versus buying these 4 products individually
Order Your Healthy Foundation Pack here:
Includes 4 products total: for 2 them, you'll choose an option.
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Exclusive, limited-time offers on featured products.
No matter how strong a building might look, it's no stronger than its base foundation.
And this is also true with your health.
If you think about any building, you're likely to agree that it's only as strong as its foundation. Without a strong, solid foundation, the building can't withstand the ravages of time, weather, stress, pressure and certainly not more traumatic events such as earthquakes, floods or high winds. Any of these events can cause the building to deteriorate, crumble or even collapse.
This same principle also applies to your overall wellness. Without a strong, solid foundation, your health is much more at risk to greater damage from any of the threats of today's world, including things such as… toxins and pollution… daily mental stresses… emotional upheavals… bacterial & viral invaders… injuries and trauma.
On top of all this, your body weakens with age, with a reduced ability to resist and recover from damage. It also begins losing its ability to absorb all of the nutrients it needs from the food you eat. And finally, even the foods you do eat are grown in depleted soils; they don't contain the vital nutrients they once did that are so important to your body's health.
With all of these factors working against it, your body has a constant exposure to free radicals and their damage. This damage can result acute and chronic illness, which in turn unleashes more free radicals, which creates another round of damage and can start a vicious, downward cycle of injury, infirmity and impairment of your health.
How to build and maintain a strong foundation for your health We have created a very special Healthy Foundation Pack of four premier supplements to give your body the wide scope of vital nutrients it needs to help stay in the best of health. Each product is scientifically formulated, physician approved, and certified by independent Third Party Testing. Together, our Healthy Foundation Pack can be looked at as the 4 pillars of wellness
Pillar 1: Daily Multi-Vitamin — VitaDaily AM/PM™ or Wellavoh™
According to the New England Journal of Medicine, everyone should take a multiple vitamin/mineral supplement each day to avoid becoming nutrient deficient, which can lead to lowered vitality and health. A daily multiple vitamin/mineral supplement is needed because most of us don't eat a perfectly balanced diet, plus many of the foods we eat are grown in depleted soils so they lack many of the nutrients than we might expect.
But for the best results, your daily multi-vitamin supplement has to be a robust, nutrient-rich, food-based formulation — like our VitaDaily AM/PM and Wellavoh. Both of these unmatched supplements feature… daytime and nighttime support… whole foods… 6-7 classes of nutrients… and more.
Pillar 2: Vitamin B-12 — Slow Dissolve B-12 in Original, Super or HCY Guard®
The B-12 vitamin is essential for our well-being as it nourishes and repairs both our nerves and our brain. But it's also the most common vitamin deficiency in people over age 50 — which can lead to everything from fatigue, grumpiness, and low moods to mental confusion and mental exhaustion.
For best results, you need B-12 in a form that is most absorbable and usable by your body — like the kind you'll find with each of our three B-12 formulations (Original, Super and HCY Guard). All three of our B-12 supplements use Dr. Libby's original, patented process.
Pillar 3: Vitamin C — Vital C with Dr. Libby's special formulation
Vitamin C is a broad spectrum nutrient that is known for its ability to nourish and support practically every system and process in your body, including your… bones… blood… thyroid gland… cardiovascular system… immune system… detoxification… damage recovery… anti-aging… inflammation… nerves… collagen… energy… antioxidant protection. All this is why Vitamin C is not just for colds, but something you should take every day.
Vitamin C is so vital, yet it happens to be the second most common vitamin deficiency among people over age 50. This is due in part to the fact that human bodies cannot make their own Vitamin C (as many other mammals can); instead, it has to come from an outside source. Plus, the human body cannot store much Vitamin C either; so its supply in the bloodstream constantly needs to be replenished.
In addition, anyone over age 40 should consider taking Vitamin C at bedtime as it's been discovered that it helps protect the heart in those early morning hours when heart attacks are most common. Specifically, the risk of heart attack is 40% higher in the early morning hours compared to any other time of day.1
But to get the most benefit from your Vitamin C, you need the best kind. That's what our Vital C offers you, in the form of these benefits:
Pillar 4: Omega-3 and -6 Essential Fatty Acids — in OmegaPrime®
Our bodies have a daily need for Omega-3s and -6s. These omegas (also called Essential Fatty Acids or EFAs), play an extensive role in helping us to sustain vibrant good health. For instance, omegas nourish your body's heart, brain, skin, glands and joints — plus they are critical to the hormone production process.
But there is a problem — our bodies cannot make the omegas internally. So these critical fats must come from outside sources. And, as with all supplements, if your health greatly depends upon it, you need to take the best. This is what you are getting with our ultra unique OmegaPrime — its "4 source formula" sets it apart from all the rest. It's your prime choice for omega-3s and -6s because:
Want more in-depth knowledge on any of our Healthy Foundation Pack products?
We invite you to browse these individual product pages:
And last, but not least: what are "Healthy Foundation" products anyway?
The dictionary definition for foundation is a perfect starting point for explaining the purpose of our special Healthy Foundation Pack:
foun•da•tion (foun-d³"sh…n) n. 1. The underlying base upon which a thing stands or is supported.
Further explanation of our Foundational Products would be:
The Healthy Foundation Pack — it's your way to keep your body's health strong, at the most important level: its foundation. Order your pack today and enjoy added bundled savings.
1: (Elliott WJ. Cyclic and circadian variations in cardiovascular events. Am J Hypertens. 2001;14:291-295.)
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Vitamin B-12 is an essential element for your overall wellness. It helps the brain function properly, stimulates the production of red blood cells that carry oxygen to your body and helps your body repair nerve damage caused by everyday stress. Increasingly it can be difficult to get enough B-12 vitamins from the foods we eat and absorb them efficiently. Vitamin B-12 deficiency is a common problem for many people and can result in fatigue, irritability, forgetfulness and digestion problems.
Original B-12 contains B-12, B-6 and folic acid which helps with energy, mental clarity and stamina. Super B-12 has 3 times as much B-12 as the Original B-12 for more energy and faster results. In addition to B-6 and folic acid, Super B-12 also includes ginseng for improved mental function and concentration, Cocosin for added energy and L-Ornithine Alpha Glutarate to help slow aging of the brain.
Homocysteine is an amino acid in the blood. Epidemiological studies have shown that too much homocysteine in the blood is related to a higher risk of coronary heart disease, stroke and peripheral vascular disease. It has also been linked to diabetes, Alzheimer's disease, osteoporosis, and dementia. Also people with certain risk factors are more likely to have high HCY. These include digestive problems, kidney conditions, high stress, excessive caffeine consumption, age 50 or higher, lack of exercise, smoking, and pregnancy. The dietary components with the greatest effects on homocysteine are folic acid and vitamins B6 and B12 – all of which are key ingredients of TriVita's HCY Guard.
HCY Guard contains a proprietary blend of eight nutrients specifically selected for their powerful ability to combat elevated homocysteine. HCY Guard is made of the essential amino acids Dimethylglycine, Lysine, Cysteine, Methionine, and Choline, along with the HCY-lowering nutrients Inositol and CoQ-10. These nutrients are found in concentrated amounts in HCY Guard to ensure efficacy. Additionally evidence indicates that folic acid and other B vitamins help break down homocysteine in the body. Several studies have found that higher blood levels of B vitamins are related, at least partly, to lower concentrations of homocysteine. Other recent evidence shows that low blood levels of folic acid are linked with a higher risk of fatal coronary heart disease and stroke. So HCY Guard's unique combination of vitamin B6, vitamin B12, and folic acid gives you a clinically-proven defense against elevated homocysteine. It includes 500% of the daily recommended dose of B6, 16,666% of the daily recommended dose of B12, and 100% of the daily recommended dose of folic acid.
Slow Dissolve B-12, B-6 & Folic Acid utilizes the form of Vitamin B-12 that works best in helping to increase energy, mental clarity, improve mood and memory. HCY Guard uses a different form of Vitamin B-12. It, along with HCY Guard's proprietary blend of amino acids and nutrients, has been shown to dramatically lower elevated HCY levels.
It's a simple blood test that can be performed by your healthcare provider on an annual basis. He or she can talk with you about your score and risk level.
TriVita Vital C helps to:
In order for Vitamin C to give you the best benefits, it must be of the highest quality. No other Vitamin C supplement can match all of our superior features, which include:
Your body does not make Vitamin C (it has to come from outside sources), yet it is so crucial to so many of your body's processes. Besides being used by every cell in your body, sufficient Vitamin C is necessary for cardiovascular health, a strong immune system, injury repair and recovery, strong joints, healthy vision, vital skin, collagen production, iron absorption and dental health. It is an antioxidant that can fight free radicals as well as other toxins and pollutants like cigarette smoke. Vitamin C is fundamental to good health, and since you have to get it from an outside source, you should get the best type, like TriVita Vital C. It provides Vitamin C in a high quality, highly absorbable, non-irritating formula.
Vitamin C is not produced by or stored in the human body like it is in the bodies of many other mammals. In addition, the human body eliminates excess amounts of Vitamin C so it is important to continually replenish that supply and maintain healthy levels. Optimally, it would be great to get all of your necessary Vitamin C from your diet. But your diet would have to be very healthy, with 8-9 servings of fruit and vegetables each day to even ingest 500 mg of Vitamin C. An example of a daily diet necessary to attain 500 mg of Vitamin C would include all of the following:
So while it's important to eat a healthy, well-balanced diet full of nutrient-rich fruits and vegetables, for so many people, this doesn't happen. That's where supplements can fill in the nutritional gaps.
Vital C's time release formula gives you additional protection over time, especially while you sleep. Statistics show that most heart attacks happen in the early morning hours because there is a surge of chemicals, adrenaline-like substances that can lead to a heart event. Specifically, the risk of heart attack is 40% higher in the early morning compared to any other time of day.* Other studies show that people who regularly take Vitamin C live longer and have fewer cardiovascular issues than those who do not. Vital C time-release tablets are specially formulated with 1000 mg of Vitamin C for a slow release of antioxidants to help your body protect your heart all through the day and while you sleep. *Elliott WJ. Cyclic and circadian variations in cardiovascular events. Am J Hypertens. 2001;14:291-295
OmegaPrime's unique combination of Essential Fatty Acids (EFAs) helps to maintain cardiovascular health, hormone production and balance, immune system strength and mental health.
TriVita's Omega Prime uses only premium ingredients and is also both scientifically formulated and physician approved. It contains a unique blend of omega-3s and -6s (EFAs) from four sources: (1) Fish, (2) Flaxseed, (3) Perilla Seed and (4) Evening Primrose. Research shows that these oils play a vital role in nourishing the body's heart, brain, skin, glands and joints. Omega Prime also contains an inflammation-fighting formula that supports our development as well as the anti-aging process. In addition, OmegaPrime includes a high level of Vitamin E for maximizing the fish oil's potency. Furthermore, OmegaPrime's fish oil is mercury and contaminate-free as a result of an exclusive 10-stage process that ensures its purity, potency and quality.
Your body requires the daily replenishment of nutrients to keep you healthy and feeling good. The daily stresses of life — physical, emotional, mental and environmental — sap your body of energy and limit your ability to rejuvenate. Optimally, the nutrients you need to recharge would be obtained from a well-balanced diet and a healthy lifestyle. However, for many reasons, most of us do not get the essential daily nutrients that we need from food. It can be difficult to follow the dietary recommendations of a balanced diet in today's fast-paced world, and many of us don't have the time to prepare the healthful meals that are necessary for optimal nutrition. Others deal with health conditions that restrict the body's ability to absorb nutrients. Even aging takes its toll on our ability to get and absorb vitamins. Unfortunately, it's also true today that poor farming conditions cause our food to be grown in depleted soils, which leads to many foods being less optimal nutritionally. Therefore, it is important to supplement your diet with an essential daily nutrient complex like VitaDaily AM/PM. Its unique combination of whole food concentrates, vitamins, minerals and nutrients gives your body the nutrition it needs to function properly throughout the day and allow it to rest and repair at night.
VitaDaily AM/PM supports a healthy body and mind. It works to improve cardiovascular health, immunity from infection and illness as well as supports strong bones and muscles. It is scientifically formulated for total body wellness, optimal health and vitality. The VitaDaily AM is specifically designed to:
The VitaDaily PM works to:
VitaDaily AM/PM is much more than a standard multivitamin. It contains seven essential nutrient classes — vitamins, macros and trace minerals, phytonutrients, enzymes, amino acids and essential fatty acids — in two distinct formulas, day and night, to offer 24 hour support for your body's needs. Unlike some multivitamins that can be difficult to absorb, VitaDaily AM/PM contains 25 whole foods concentrates in a chlorophyll coating that your body can easily break down and absorb. In addition, it gives you 24 vitamins and macro minerals, including seven B vitamins, over 50 trace minerals, vital enzymes, fundamental amino acids, phytonutrients and essential fatty acids.
Wellavoh (WELL-ah-vōh) is derived from the Native American language and means "Wellness Harvest."
Wellavoh's uniqueness stems from the following key features and benefits:
Wellavoh is a solution to the daily nutritional deficiency that most people face. You can take it instead of your daily multi-vitamin because it provides you with so much more. That's why it's called a "multi-nutrient" instead of a multi-vitamin.
Wellavoh is NOT your average multi-vitamin! It is nutrient-packed to give your body powerful support for optimal health in these key areas:
Wellavoh's men's formula supports optimal prostate, cholesterol and blood sugar health while the women's formula supports optimal bone, skin, hormone and breast health.
Wellavoh provides four blends of powerful nutrients from herbs, plants, fruits, oils and more – combined to deliver essential health benefits:
Our bodies crave certain nutrients in the morning to support energy throughout the day. Wellavoh's AM formula contains energy-producing nutrients for greater vitality. In the evenings, our bodies typically crave heavier, more mineral-rich foods. Wellavoh's PM formula supports what we need most — rest, repair and rejuvenation. Wellavoh's morning and night time formulas offer complete nutrition 24/7.
*These statements have not been evaluated by the Food and Drug Administration. This product is not intended to diagnose, treat, cure or prevent any disease.
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About this item
Following a botched spy mission against the powerful Cobra Industries, Duke, Scarlett, Roadblock, Tunnel Rat and Snake Eyes find themselves running from the law as fugitives. Now the young G.I. Joe team must rely on their training to stay two steps ahead of those assigned to bring them to justice: Flint and his elite team of Falcons and those who want to see them destroyed: Cobra Commander and his legion of nefarious forces. But can the G.I. Joe team avoid capture long enough to clear their names and bring real justice to Cobra? The first season's second exhilarating half of "G.I. Joe Renegades" promises even more excitement, boasting spectacular animation and an amazing cast of voice talent including appearances by Clancy Brown, Michael Emerson, Daniel Dae Kim and Lee Majors.
A Look Behind the Scenes of G.I. Joe Renegades.
Starring: | Clancy Brown, Michael Emerson, Phil LaMarr, Peter MacNicol, Lee Majors |
Studio Name: | Gaiam America |
DVD Release Date: | 09/25/2012 |
Rating: | Not Rated |
Format: | DVD |
Screen Format: | Widescreen |
Run Time (in minutes): | 180 minutes |
Language: | English |
Audio Tracks: | AC, Dolby Digital |
Shipping Weight (in pounds): | 0.24 |
Product in Inches (L x W x H): | 5.5 x 0.5 x 7.44 |
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Detailed directory lists with ls
The ls command lists files at the command line and gives you many useful details about file properties. With or without colors, this command keeps you on top of your files.
The ls command is hard to beat when it comes to options and parameters – the manpage reads like a bestseller. As a user, you can select from innumerable options to decide what to show and how to format the display. What's in There?
Just typing ls at the prompt displays the current directory contents, but you can supply a relative or absolute path to view the content of another directory:
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Underwear Model Required
Derby, Derbyshire- Posted
- 1049 days ago
Model required, 20s to 30s year old. good figure to pose for underwear.
NOT nude.
to model 3-4 knickers in various poses
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ongoing work a possiblity
Ad ID: 100468086