Key Facts document regarding Group Personal Accident insurance for members
This is a summary of the cover as well as of the important exclusions and conditions of the policy. For complete information please refer to the policy wording which you can obtain here: fi.fitness24seven.com
FITNESS24SEVEN OY
Optional membership
You decide if you want to join the Group Personal Accident insurance. It is not automatically included in your gym membership
ABOUT THE COVER
Personal Accident Insurance
An accident (defined as "a sudden, unexpected, unusual, specific event which occurs at a definable time and place") can occur at any time during your time at the gym. Being without protection can be expensive. With our Accident Insurance, you can get compensation for disability and for certain costs incurred in connection with the accident. There is no deductible. The insurance applies from when you enter Fitness24Sevens premises, and stops when you leave the premises. The cover applies only for activity within the premises, and in some limited circumstances outdoors but in close proximity to the premises.
Medical expenses
Compensation is provided for necessary and reasonable medical expenses, hospitalization, and for some ancilleray costs.
Dental Costs
Compensation is provided for dental injury. (Not valid for chewing or bites). Payment is made for teeth that were in good condition before the accident.
Travel expenses
Compensation is paid for travel expenses related to the care and treatment because of the accident and to / from the home and to / from regular work / education.
Additional costs
If the accident incur medical care, also replaced some necessary costs up to 17 800 Euro if they are not reimbursed from other sources (eg damaged clothing and eyeglasses, etc.).
Rehabilitation costs and disability aids
If the injury resulted in a need for rehabilitation or special aids during the period of insurance, compensation for reasonable costs. The maximum compensation up to 10 000 Euros.
Hospitalization
If an accident occurring during the policy term means that the insured is hospitalized for hospital treatment for 7 days or more, the compensation is 85 Euro per week for 10 weeks.
Deaths due to accident
If the accident results in death, compensation will be paid to the estate.
Medical disability
Medical disability is a permanent physical impairment of body function. The degree of your disability determines how much compensation you can get, according to the agreed disability scale. The capital benefit is 100 000 Euro.
Excess
The insurance applies without excess.
LIMITS AND GENERAL EXCLUSIONS
We will not pay for any claim arising directly or indirectly from:
5.1 Suicide or attempted suicide, intentional self-injury or deliberate exposure to unusual danger (except in an attempt to save life), or Your or the Insured Person’s own criminal act, or an Insured Person being under the influence of alcohol or drugs.
5.2
5.3 Mental sickness, nervous anxiety, depression or stress related conditions or complaints which are caused directly or indirectly by an Accident causing Bodily Injury.
5.4 The Insured Person engaging in or taking part in any sport/s other than the sport/s nominated in the Policy Schedule.Driving or riding in any kind of race, or the Insured Person taking part in hazardous sports, pursuits or pastimes not declared to Us, or engaging in naval, military or air force services or operations.
5.5 War.
5.6 Death, injury, illness, loss, damage, cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any Act of Terrorism regardless of any other cause or event contributing concurrently or in any other sequence to the loss. Furthermore this Policy also excludes death, injury, illness, loss, damage, cost or expense of whatsoever nature directly or indirectly caused by resulting from or in connection with any action taken in controlling, preventing, suppressing or in any way relating to any Act of Terrorism.
5.7 Any pre-existing defect, infirmity or sickness at the time of the Insured Person’s Bodily Injury.
5.8 The Insured Person engaging in air travel except as a passenger in a property licensed multi-engined aircraft being operated by a licensed commercial air carrier or owned and operated by a commercial concern.
5.9 All claims arising out of unreasonable failure to seek or follow medical advice.
5.10 Acquired Immune Deficiency Syndrome (AIDS) or AIDS Related Complex (ARC), howsoever this syndrome has been acquired or may be named.
5.11 Ionising radiation or radioactive contamination.
5.12 Contracting a sexually transmitted disease, pregnancy, childbirth, miscarriage, abortion or infertility treatment and also medical operations or treatments which are not medically necessary, including cosmetic or beauty treatments.
5.13 Any medical or surgical procedure performed on the Insured Person for any gradually developing bodily deterioration whatever the cause of that deterioration.
5.14 Sickness, disease or disorder of any kind.
GENERAL PROVISIONS
Who can take out insurance?
The Group insurance can be taken by members of Fitness24Seven AB, Fitness24seven Lund AB och Fitness24Seven OY.
When is the policy in force ?
The group insurance applies to any member who has chosen to join, for the duration of their membership as long as the premium is paid.
Limits of validity of the insurance Tour Terms and Conditions
The basis of the insurance is a one-year group agreement between the insurer and Fitness24Seven as representatives of the group members. The individual insurance policies are subject to the Terms and Conditions of the group insurance. Terms may be amended at each annual renewal date of the group contract.
Termination and cancellation
You may terminate the insurance at any time.
Misrepresentation
The insurance may become invalid If incorrect or incomplete information has been provided. In this case the insurer is free from liability under the provisions of the Insurance Contracts Act and the general swedish law in general. Premiums paid are not refundable in these cases.
Taxation
Insurance amount paid free of tax.
Processing of personal data
Responsible for the processing of personal data is Löwenthal Birger Försäkring AB. The data used for the management of the insurance contract and for purposes that are necessary for insurance - such as calculation of premiums, claims and statistics. Confidentiality of the information, in accordance with the Löwenthal Birger Försäkring AB’s code of ethics. Address details and details of the insurance contract is managed in an insurance directory for the rational administration, information and some marketing. At inaccuracies in the information registered contact customer service: Löwenthal Birger Insurance AB on telephone 0470-74 95 90. To order excerpts from the insurer registers write to: Löwenthal Birger Insurance AB, Northern Railway Street 12, 352 30 Växjö.
Applicable law
For group insurance contract and terms of the Insurance Contracts Act and general Swedish law in general. All communication between the insured and the insurer is in Finnish or Swedish.
Insurers
Insurers are Svedea.
COMPLAINTS
We care about our reputation as providers of quality services. If at any time you believe that our services do not reach the level you'd expect, send demands and complaints in the first instance to:
European Special Insurances AB
E-post: epost@lsfab.se
Telefon: +46 (0) 470 - 74 95 90
If you remain unsatisfied as to how your compliant was dealt with, you can follow the instructions in the wording.