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The content of the BERNHARD Reiseversicherungsmakler GmbH website is protected by copyright. The web pages serve exclusively to provide information about us and our products. Our web pages and materials that we make available for download are intended for personal, non-commercial use only. Without the written consent of BERNHARD Reiseversicherungsmakler GmbH, the contents of the web pages may not under any circumstances be copied, modified, reproduced, distributed or made accessible to third parties (not even in part).

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Disclaimer

The contents of our pages were created with the utmost care. However, we cannot guarantee the correctness, completeness and topicality of the contents.

The company Bernhard Reiseversicherungsmakler GmbH is not responsible for the content of websites that are reached via a link and were not created by the company Bernhard Reiseversicherungsmakler GmbH. As a content provider, it is responsible for its "own content", which it makes available for use, in accordance with general legislation. External links that refer to content provided by other providers are to be distinguished from this own content. By the external link the company Bernhard Reiseversicherungsmakler GmbH holds in this respect "foreign contents" ready for the use. Bernhard Reiseversicherungsmakler GmbH is only responsible for these external contents if it has positive knowledge of them (i.e. also of illegal or punishable contents) and if it is technically possible and reasonable for it to prevent their use. External links and associated cross-references are always "living" (dynamic) references. The company Bernhard Reiseversicherungsmakler GmbH has checked the external content at the time of the initial linking as to whether it could trigger a possible civil or criminal liability; this was not the case. According to the law, it is not obliged to constantly check the contents to which it refers in an offer for changes that could give rise to a new responsibility. Only if it ascertains or is informed by third parties that a concrete offer to which it has provided an external link triggers civil or criminal liability will it remove the reference to this offer, insofar as this is technically possible and reasonable for it.

We would like to emphasize that we have never had any influence on the design and content of the linked pages. Should you nevertheless find pages via one of our links which, in your opinion, do not suit Bernhard Reiseversicherungsmakler GmbH, in particular those with racist, fascist, violence-glorifying, youth-endangering, pornographic, offensive or illegal content, please inform us immediately.

Information pursuant to § 15 Insurance Mediation Ordinance

BERNHARD Reiseversicherungsmakler GmbH, is a subsidiary of BERNHARD Assekuranzmakler GmbH. Bernhard Assekuranz was founded in 1950 as a sole proprietorship and converted into a corporation in 1975. We have been operating continuously as an insurance broker, i.e. as an independent broker and advisor of insurance policies, since 1950. With our 35 highly qualified employees, we look after customers throughout Germany in a wide range of business sectors. We are a member of the Bundesverband Deutscher Versicherungsmakler e.V. (BDVM), whose quality requirements are significantly higher than the licensing requirements for insurance brokers according to the trade regulations and the insurance broker ordinance. Due to legal obligations, we are required to provide you with the following information: BERNHARD Reiseversicherungsmakler GmbH Mühlweg 2 b 82054 Sauerlach Phone: +49-8104-891-60 Fax: +49-8104-891-735 eMail info@bernhard-reise.com Register Court: Amtsgericht München, HRB 156795 Managing Director: Thorsten Michael Kuhr Registration in the insurance broker register exists as: Insurance broker with permission after § 34d Abs. 1 GewO with the insurance mediator register No.: D-U5UY-L1BDG-88 Responsible permission authority is the: Chamber of Industry and Commerce for Munich and Upper Bavaria Max-Joseph-Straße 2, 80333 Munich Phone: +49-89-511-60 Fax: +49-89-511-6666 eMail: ihkmail@muenchen.ihk.de internet: www.muenchen.ihk.de The entry in the register of intermediaries can be checked at the joint register office according to § 11 a Abs. 1 GewO: Deutscher Industrie- und Handelskammertag (DIHK) e.V. Breite Straße 29, 10178 Berlin Phone: 01806 00 58 50 (landline price 0,20 €/call; mobile phone prices maximum 0,60 €/call) www.vermittlerregister.info

As a rule, we act as an insurance broker in accordance with the brokerage contract. The services of the insurance broker are compensated by the brokerage to be borne by the insurer; this is part of the insurance premium. In the event that the broker arranges net insurance premiums for the client, the two contracting parties will agree in advance on the amount of remuneration to be paid by the client to the broker. In the case of a consultancy agreement, the amount of remuneration to be paid by the client to the broker will be agreed between the two in advance.

Our company does not hold any direct or indirect interest of more than 10% in the voting rights or capital of any insurance company. Conversely, no insurance company or parent company of an insurance company holds a direct or indirect interest of more than 10% in the voting rights or capital of our company.

Dispute resolution and complaints Information on the conciliation bodies pursuant to Section 214 of the German Insurance Contract Act (VVG) and on participation in the dispute resolution procedure pursuant to Section 36 of the German Consumer Dispute Resolution Act (Verbraucherstreitbeilegungsgesetz) The conciliation bodies listed below can be called upon for out-of-court dispute resolution. Pursuant to Section 17 (4) of the Insurance Mediation Ordinance, we are obliged to participate in dispute resolution proceedings before the following consumer arbitration bodies:

Versicherungsombudsmann e. V. P.O. Box 08 06 32 10006 Berlin www.versicherungsombudsmann.de Ombudsman for private health and long-term care insurance P.O. Box 06 02 22 10052 Berlin www.pkv-ombudsmann.de Online dispute resolution platform in accordance with Art. 14 (1) Regulation (EU) No. 524/2013: The European Commission provides a platform for online dispute resolution (OS), which can be found at: http://ec.europa.eu/consumers/odr.

Consumers have the option of using this platform for out-of-court settlement of their disputes regarding contractual obligations. Complaints management If you are dissatisfied with our services, please contact us. Your contact person for complaints is first the responsible employee and otherwise then our managing director Thorsten M. Kuhr (e-mail: thorsten.kuhr(at)bernhard-assekuranz.com). The processing of complaints has top priority for us and we will get back to you in a timely manner. If you have any complaints about our activities, please contact our complaints office: E-mail: info@bernhard-assekuranz.com Telephone: +49 (0) 81 04 / 89 16-0 There is also the following arbitration office for financial services transactions: VuV-Ombudsstelle beim Verband unabhängiger Vermögensverwalter Deutschland e. V. Stresemannallee 30 60596 Frankfurt am Main Telephone: +49 69 660550 10 Fax: +49 69 660550 19 Internet: www.vuv-ombudsstelle.de E-mail: contact@vuv-ombudsstelle.de

Professional regulations: - § 34d Gewerbeordnung - §§ 59-68 VVG - VersVermV The professional regulations can be viewed and accessed via the website www.gesetze-im-internet.de operated by the Federal Ministry of Justice and juris GmbH. Compliance: see our notes https://bernhard-assekuranz.com/compliance/ as well as those of the BDVM eV: https://bdvm.de/versicherungsmakler/code-of-conduct/.

Please do not hesitate to contact us for further information. Your BERNHARD Travel Insurance Broker GmbH

Revocation policy

Revocation policy
You may revoke your contractual declaration in writing (e.g. letter, fax, e-mail) within 14 days without stating reasons. The period begins after you have received the insurance policy, the contractual provisions including the General Terms and Conditions of Insurance, the further information pursuant to Section 7 (1) and (2) of the Insurance Contract Act in conjunction with Sections 1 to 4 of the VVG Information Duties Ordinance and this instruction in text form in each case, but not before we have fulfilled our obligations pursuant to Section 312 g (1) sentence 1 of the German Civil Code in conjunction with Article 246 Section 3 of the Introductory Act to the German Civil Code. The timely dispatch of the revocation is sufficient to comply with the revocation period.

The revocation must be sent to: BERNHARD Reiseversicherungsmakler GmbH, Mühlweg 2 b, 82054 Sauerlach or by fax to 0 81 04 / 89 17-53 or by e-mail to info@bernhard-reise.com

Consequences of revocation
In the event of an effective revocation, the insurance cover shall end and we shall refund to you the part of the premium attributable to the period after receipt of the revocation if you have agreed that the insurance cover shall commence before the end of the revocation period. In this case, we may retain the part of the premium attributable to the period up to receipt of the revocation; this is an amount equal to the number of days on which insurance cover existed multiplied by 1/30 of the monthly premium. Amounts to be repaid will be refunded immediately, at the latest 30 days after receipt of the revocation. If the insurance cover does not commence before the end of the revocation period, the effective revocation shall result in the return of benefits received and the surrender of benefits derived (e.g. interest).

Special notes
Your right of cancellation will expire if the contract has been completely fulfilled by both you and us at your express request before you have exercised your right of cancellation.

Sample revocation form
If you want to revoke the contract, please fill out and return this form.

Sample revocation form


A right of revocation does not exist
- for insurance contracts with a term of less than one month
- in the case of insurance contracts for provisional cover (e.g. motor vehicle liability contracts), unless the contract is a distance contract within the meaning of Section 312c of the German Civil Code (BGB)
- in the case of insurance contracts with pension funds that are based on employment contract regulations, unless the contract is a distance contract within the meaning of Section 312c of the German Civil Code (BGB)
- for insurance contracts covering a major risk within the meaning of § 210 (2). This includes, among other things, transport insurance.

Section 2
Listing of further information required for the commencement of the time limit.
With regard to the further information referred to in Section 1, Sentence 2, the information requirements are listed in detail below:

Information requirements for all classes of insurance
The insurer must provide you with the following information:
1. the identity of the insurer and of the branch, if any, through which the contract is to be concluded; the following must be indicated the commercial register in which the legal entity is registered and the corresponding register number must also be indicated
2. the summonable address of the insurer and any other address relevant for the business relationship between the insurer and you, in the case of legal persons, associations of persons or groups of persons also the name of an authorized representative; insofar as the notification is made by transmitting the contractual provisions including the General Conditions of Insurance, the information must be in a prominent and clearly designed form
3. the main business activity of the insurer
4. the essential features of the insurance benefit, in particular information on the type, scope and due date of the insurer's payment
5. the total price of the insurance, including all taxes and other price components, whereby the premiums must be shown individually if the insurance relationship is to comprise several independent insurance contracts, or, if an exact price cannot be stated, information on the basis of its calculation, enabling you to verify the price
6. a) If applicable, additional costs incurred, stating the total amount to be paid, as well as possible further taxes, fees or costs that are not paid through or invoiced by the insurer
6. b) all costs incurred by you for the use of means of distance communication, if such additional costs are charged
7. Details regarding payment and fulfillment, in particular regarding the method of payment of premiums
8. the limitation of the period of validity of the information provided, for example, the period of validity of limited offers, especially with regard to the price
9. Information on how the contract comes into being, in particular on the start of the insurance and the insurance coverage as well as the duration of the period during which the applicant is to be bound by the application
10. the existence or non-existence of a right of withdrawal as well as the conditions, details of the exercise, in particular the name and address of the person to whom the withdrawal is to be declared, and the legal consequences of the withdrawal, including information on the amount you may have to pay in the event of withdrawal; if the notification is made by transmitting the contractual provisions, including the General Terms and Conditions of Insurance, the information must be in a prominent and clearly designed form
11. a) Information on the duration of the contract
11. b) Information on the minimum term of the contract
12. Information on the termination of the contract, in particular on the contractual terms of termination, including any contractual penalties; if the notification is made by transmitting the contractual provisions, including the general terms and conditions of insurance, the information must be in a prominent and clearly designed form
13. the member states of the European Union whose law the insurer uses as a basis for establishing relations with you before concluding the insurance contract
14. the law applicable to the contract, a contractual clause on the law applicable to the contract or on the competent court
15. the languages in which the terms and conditions of the contract and the advance information referred to in this section will be communicated, as well as the languages in which the insurer undertakes, with your consent, to communicate during the term of this contract
16. the possible access for you to an out-of-court complaint and redress procedure and, where applicable, the conditions for such access; it must be expressly stated that this does not affect the possibility for you to take legal action
17. Name and address of the competent supervisory authority and the possibility of lodging a complaint with this supervisory authority

End of the revocation policy

Dispute resolution and complaints

Information on the conciliation bodies in accordance with § 214 VVG and on participation in the dispute settlement procedure in accordance with § 36 Consumer Dispute Settlement Act

For the out-of-court settlement of disputes, the following arbitration bodies can be called upon. Pursuant to Section 17 (4) of the Insurance Mediation Ordinance, we are obliged to participate in dispute resolution proceedings before the following consumer arbitration bodies:

Versicherungsombudsmann e. V. P.O. Box 08 06 32 10006 Berlin www.versicherungsombudsmann.de Ombudsman for private health and long-term care insurance P.O. Box 06 02 22 10052 Berlin www.pkv-ombudsmann.de Online dispute resolution platform in accordance with Art. 14 (1) Regulation (EU) No. 524/2013: The European Commission provides a platform for online dispute resolution (OS), which can be found at: http://ec.europa.eu/consumers/odr.

Consumers have the option of using this platform for out-of-court settlement of their disputes regarding contractual obligations. Complaints management If you are dissatisfied with our services, please contact us. Your contact person for complaints is first the responsible employee and otherwise then our managing director Thorsten M. Kuhr (e-mail: thorsten.kuhr(at)bernhard-assekuranz.com). The processing of complaints has top priority for us and we will get back to you in a timely manner. If you have any complaints about our activities, please contact our complaints office: E-mail: info@bernhard-assekuranz.com Telephone: +49 (0) 81 04 / 89 16-0 There is also the following arbitration office for financial services transactions: VuV-Ombudsstelle beim Verband unabhängiger Vermögensverwalter Deutschland e. V. Stresemannallee 30 60596 Frankfurt am Main Telephone: +49 69 660550 10 Fax: +49 69 660550 19 Internet: www.vuv-ombudsstelle.de E-mail: contact@vuv-ombudsstelle.de

Professional regulations: - § 34d Gewerbeordnung - §§ 59-68 VVG - VersVermV

The professional regulations can be viewed and accessed via the homepage www.gesetze-im-internet.de operated by the Federal Ministry of Justice and juris GmbH.

Waiver of consultation and documentation

By concluding the insurance contract, I/we make the following declaration: The applicant expressly wishes to conclude the aforementioned insurance policy online within the framework of distance selling without a personal consultation on alternative insurance products. The applicant also waives the preparation of a consultation documentation. The applicant is aware that a waiver may adversely affect his/her ability to assert claims for damages against the insurance intermediary pursuant to § 63 VVG. The applicant was able to inspect the contractual provisions including the General Terms and Conditions of Insurance and the information specified in a legal ordinance pursuant to § 7 (2) VVG as well as the product information sheet in due time before submitting his declaration of intent and, after careful consideration, has decided to apply for the above-mentioned insurance cover. This declaration is made by the applicant himself or by a person authorised to make declarations of intent of this scope.

Information on sustainability, EU Transparency Regulation TVO as of 10.3.2021

Regarding Art. 3 TVO When selecting insurance companies and insurance products, we take into account the information provided by the insurers/product providers. If applicable, we do not offer insurers that recognizably do not include a strategy for incorporating sustainability risks in their investment decisions. As part of the individual advice provided in the client's interest, we will, on request, provide a separate explanation if the inclusion of sustainability risks in the investment decision represents a recognisable advantage or disadvantage for the individual client. The respective insurer informs about the respective consideration of sustainability risks in investment decisions with its pre-contractual information. If the client has any questions in this regard, he is welcome to contact me / us in the run-up to a possible conclusion.

Regarding Art. 4 TVO Within the scope of the consultation, the most important adverse effects of investment decisions on sustainability factors of the financial market participants (insurers) are currently taken into account to a limited extent. Where applicable, the consideration is based on information provided by the insurance undertakings. The insurance company, not the intermediary, is responsible for its accuracy. Due to the currently limited information provided by the insurers, these aspects are currently not taken into account in the advice as standard. They can be taken into account at the special request of the customer on the basis of the data currently available. With a broader market offer in the future, they will be taken into account as standard.

Regarding Art. 5 TVO The remuneration for the brokerage of insurance policies is currently not based on the sustainability risks associated with the investments of such policies. This means in particular that the remuneration level of the product is currently not influenced positively or negatively by the sustainability risks of the investment.

Data Protection Officer

Information about our data protection officer can be found HERE.

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