Travel insurance

Customer information for local, long-distance and contract bus passengers, and international passengers of Volánbusz Zrt.

Insured party

In the case of local, long-distance, contract bus travel, the person who holds a valid ticket or season ticket and lawfully uses the services of Volánbusz Zrt (hereinafter the Contracting Party). Persons entitled to free travel (as defined in the General Terms and Conditions of Travel) are also considered insured parties.

For international scheduled journeys, passengers travelling on an international route operated by Volánbusz Zrt. or its subcontractor, with a ticket issued by Volánbusz Zrt. or FLIXBUS sales system, or on an international route operated by a partner of Volánbusz Zrt. with a ticket issued by Volánbusz Zrt. sales system.

The Insured Party (Beneficiary) and, in the event of death in a traffic accident, the legal heir of the Insured Party is entitled to the insurance benefit.

Cover by the Insurer

Territorial scope: Europe.

The cover period on local, long-distance, international and contracted buses of Volánbusz Zrt. starts from the moment of boarding the vehicle or entering the area for passenger transport purposes, lasts during the entire journey, and ends when the vehicle or the passenger area is vacated. Areas of bus terminals and areas of bus stops designed for boarding purposes are considered areas for passenger transport purposes or, if there is none, the areas of boarding and alighting points marked with a sign ‘bus stop’, or a rest area used during the journey for traffic or traffic management reasons (e.g., a petrol station).

Insured events

accidental death
permanent disability due to accident (50-100%)
permanent disability due to accident (11%-49%)
permanent disability due to accident (1%-10%)
daily allowance for hospitalisation due to accident
compensation for surgery due to accident
fracture, injury caused by accident healing after 28 days
injury caused by accident healing within 28 days
damage to luggage or clothing
compensation for costs arising out of an accident
replacement of personal documents arising out of an accident

Under the terms of the insurance, an accident is defined as a sudden and involuntary external impact on the insured party, which results in death, bodily injury or permanent impairment of health.

Insurance services

Accidental death

An insured event is an accident which occurs during the period of cover for the insured party and causes the death of the insured party within 1 year of the date of the accident.

On the occurrence of an insured event, the insurer will pay the sum insured applicable to the insured party at the time of the accident.

Permanent disability due to accident

An insured event is an accident which occurs during the period of cover for the insured party and causes a permanent disability of up to 1% of the insured party's health established within 2 years of the date of the accident.

The amount paid by the insurer in the event of an insured event

1-10% permanent disability: the sum insured applicable to the insured party at the time of the accident,
in the case of a permanent disability of between 11% and 49%: a percentage of the insured party's sum insured at the time of the accident corresponding to the degree of permanent disability established,
in the case of a permanent disability of between 50% and 100%: a percentage of the insured party's sum insured at the time of the accident corresponding to the degree of permanent disability established,

In the case of multiple damage or loss of function affecting more than one organ or part of the body as a result of the same accident, the percentages of permanent damage are added together to determine the amount of benefit, though the insurer's benefit provision cannot exceed the sum insured at the time of the accident.

The percentage of permanent disability is determined by medical examination taking into account all the circumstances, using the guideline values in the table below:

Total loss of vision in both eyes	100%
Loss of both arms or hands	100%
Loss of both legs from the thigh	100%
Loss of both lower legs, unsuitable for prosthesis	100%
Loss of both lower legs, with good knee function	80%
Total loss of vision in one eye	50%
Total loss of hearing in both ears	60%
Total loss of hearing in one ear	30%
Total loss of sense of smell	10%
Total loss of the ability to taste	5%
Total loss or complete inability of one arm to function from a shoulder joint	70%
Total loss or complete inability to function of one arm above the elbow joint	65%
Total loss or complete inability to function of one arm below the elbow joint	60%
Total loss of one hand	55%
Loss of one thumb	20%
Loss of one index finger	10%
Loss of another finger, one by one	5%
Total loss or complete inability to function of one leg above mid-thigh	70%
Total loss or complete inability to function of one leg up to mid-thigh	60%
Loss of one leg up to the knee	50%
Loss of one leg below the knee	45%
Loss of one foot	40%
Loss of one big toe	5%
Loss of another toe, one by one	2%

In the case of partial loss of body parts or sensory organs, or loss of function, the insurer will take into account the values reduced accordingly from the above table.

In cases not included in the table, for the purposes of this insurance, the extent to which the insured party's normal physical or mental capacity is impaired will be determined by the insurer's medical expert. The findings of the insurer's medical expert are independent of the findings of any other medical or social security body or board, or of other medical experts.

If the accident results in damage to functions or parts of the body that were already disabled before the accident, the percentage of the previous disability is deducted when determining the service.

The insurer determines the extent of the permanent disability, at the earliest 15 days after the accident and at the latest 2 years after the accident.

If the insured party dies as a result of the accident within 15 days, the service is not available. If the insured party dies after 15 days, but before the insurer has definitively established the extent of the disability, the amount of compensation is determined by the insurer on the basis of the documents resulting from the medical examinations carried out up to that time.

Daily allowance for hospitalisation due to accident

An insured event is an accident that occurred during the period of the insured party's risk and required the insured party to undergo continuous in-patient hospital treatment within 1 year of the date of the accident. All days in hospital are counted as a full day for the purpose of calculating hospital days, including days of admission, discharge and also potential death. In the event of an insured event, after the end of continuous in-patient hospital treatment, the insurer will pay the insured party the sum insured (daily reimbursement) at the time of the accident for each day of in-patient hospital treatment, up to a maximum of 30 days.

Surgery due to an accident

An insured event is an accident which occurred during the period of the cover for the insured party and which required a medically justified surgical intervention, within 1 year of the date of the accident, in a medical category listed in clause 1., which was performed in a medical institution authorised by the professional supervisory authority of the country where the operation was performed.

1. Classification of surgery related to accidental injuries

Group 1 surgery

those cases that can be treated on an outpatient basis which do not require hospital admission, usually superficial soft tissue injuries, where the recovery time after surgery is within 30 days and there is no permanent damage to health;
surgical and therapeutic procedures performed solely by means of tube endoscopy.

Group 2 surgery

conditions with joint injuries requiring an acute surgical solution, where the surgical solution is based on a surgical indication supported by clinical data;
tendon and muscle injuries, as well as peripheral vascular and nerve injuries, which can be diagnosed and which are limited to the forearm-wrist joint line in the upper limb and the upper tibia-ankle joint line in the lower limb;
mutilated cases peripheral to half of the fingers of the hand and foot;
large soft tissue injuries that do not involve a fracture and require hospitalisation for more than 30 days.

Group 3 surgery

surgical solutions for bone fractures that require bone resetting and some kind of stabilisation procedure;
open fracture forms where this type of associated injury does not require a surgical operation series;
grade II. and III. Burns, where the burn surface is between 10-30%.

Group 4 surgery

procedures that take place within the closed cavity system of the body (skull, chest, abdomen, pelvis, spinal column);
amputations of limbs, removal of the whole finger(s), whether or not they have been reattached;
open fractures of the tubular bones of the limbs where a series of operations was required;
degree II and III burns, where the burn surface area exceeds 31% of the body surface.

Group 5 surgery

surgery on poly-traumatised, multiply injured, life-threatened patients requiring intensive therapeutic treatment, involving the internal cavity system of the human body.

2. Not qualified as insured events

Group 1 surgeries;
surgery for pre-existing orthopaedic lesions in connection with an accident;
hernia lesions in typical sites of the human body (e.g., abdominal wall, groin, spinal column, among others);
diagnostic and therapeutic procedures performed by tube endoscopy without joint exploration;
stabilisation surgery for bone fractures due to abnormal bone structure;
operations not related to the accident.

3. In the case of an insured event, the insurer will pay the following percentages of the sum insured applicable to the insured party at the time of the accident:

for group 2 surgeries: 25%
for group 3 surgeries: 50%
for group 4 surgeries: 100%
for group 5 surgeries: 200%

5. In the case of multiple operations necessitated by one accident, the insurer will pay up to 250% of the sum insured relating to the insured party at the time of the accident.

Fracture, injury caused by an accident healing after 28 days (one-off reimbursement)

An insured event is a non-fatal accident which occurs during the period of cover for the insured party which causes

fracture, or injury caused by an accident healing after 28 days, or
severe fracture

to the insured party.

Severe fractures are the following:

skull fracture with soft tissue injury,
spinal fracture with spinal cord injury,
pelvic bone fracture,
open fracture of the tibia and/or femur,
open fracture of the forearm and/or humerus.

The insurer pays

in the event of a broken or fractured bone or an injury caused by an accident healing after 28 days, the sum insured relating to the insured party at the time of the accident,
in the event of a severe fracture, twice the sum insured for the insured party at the time of the accident.

If an insured party suffers more than one of the above events as a result of the same accident, the insurer will only pay for one of the events relating to the highest amount of the benefit.

One-off payment for injury caused by an accident healing within 28 days (transient injuries)

An insured event is a sudden and involuntary external impact (accident) which results in the insured party being hospitalised for at least three days for a temporary health impairment resulting from the accident, but the injury resulting from the accident heals within 28 days. In the occurrence of an insured event, the insurer will pay the sum insured applicable to the insured party at the time of the accident.

Compensation for costs arising from an accident

If the Insured party suffers an accident, the Insurer will reimburse to the Insured (up to the amount specified in the Table of Benefits)

the costs incurred as a consequence of the accident of justified and invoiced repairs and cleaning of personal property worn by the insured at the time of the accident, if the costs incurred are not otherwise recovered. If the damaged personal property cannot be repaired economically, the Insurer will reimburse the depreciated value of the damaged personal property at the time of the loss up to the amount of the sum insured indicated in the Table of Benefits for this chapter;
the costs of food, drink, telephone calls and taxis necessitated by the accident and supported by invoices;
the cost of repairing or replacing prescription glasses or contact lenses damaged as a result of an accident, including the cost of any ophthalmological examination that may be necessary.

The Insurer shall also reimburse the justified and invoiced costs of transport and rescue necessary as a result of the accident, up to the sum insured indicated in the Table of Benefits for this chapter, if there is no obligation to pay social security reimbursement or if the costs incurred are not otherwise reimbursed.

Damage to luggage and clothing

Damage to luggage means damage to the insured party's luggage or clothing as a result of an accident or robbery committed against the insured passenger, or as a result of an accident or theft from or of a natural disaster to the vehicle. Loss of hand luggage left unattended is not considered damage to luggage. The insurance does not cover jewellery, precious metals, cash, securities, travel tickets and documents. The insurance does not limit the liability of the Contracting Party concerned, and the insurance sum cannot be included in other benefits due under the law.

Replacement of personal documents arising from an accident

If the insured party's official documents are damaged or lost during the journey, the insurer will reimburse the costs of replacement (fees, photographs) up to the amount specified in the contract.

Table of Benefits

Benefits	Sum insured / person
Accidental death	HUF 2,000,000
Permanent disability due to accident (50-100%)	HUF 2,000,000
Permanent disability due to accident (11%-49%)	HUF 2,000,000
Permanent disability due to accident (1%-10%)	HUF 200,000
Daily allowance for hospitalisation due to accident / 1-30 days	HUF 3,000
Compensation for surgery due accident	HUF 300,000
Fracture /injury caused by an accident, healing after 28 days	HUF 50,000 / HUF 100,000
Injury caused by accident healing within 28 days (transient injuries)	HUF 50,000
Compensation for costs arising from an accident	HUF 50,000
Damage to luggage or clothing	HUF 100,000
Replacement of personal documents arising from an accident	HUF 30,000

Reporting claims, settling claims

The insured event must be reported to the bus driver, or to the manager of the passenger area during the journey, if it occurs in the passenger area. In the case of travel on international special services, if verbal communication is not feasible, the passenger must notify VOLÁNBUSZ Zrt of the insured event in writing without delay.

At the nearest Volánbusz Zrt. service point, the traffic staff shall prepare a record of the claim event, which will be made available to the Insured Party within 8 days.

If the insured party is unable to declare the claim event because of an injury suffered, the representative of Volánbusz Zrt. will arrange the recording of the minutes ex officio.

If the Insured Party did not report the claim during the journey for any reason, the burden of proof of the insured event is on the Insured Party (e.g., police minutes or ambulance accident reports). If the damage to luggage is caused by robbery, in addition to notifying the employee of Volánbusz Zrt., the injured party must also report the loss to the police, in which case a final decision of the police is required for the claim payment. The Insurer is entitled to inspect all documents and evidence necessary to assess the claim.

In addition to the documents necessary for the proof and assessment of the claim for the Insurer's services (e.g., death certificate, official certificate or final decision, medical documents, hospital discharge report), minutes taken by Volánbusz Zrt. are required.

The Insured Party shall present or hand over to the Insurer, directly after completion, the documents containing their specific personal data relating to their health condition and the Privacy Notice required for the processing of such data. The Contracting Party must notify the Insurer in writing of the claim within 15 days of the notification of the claim. For the assessment of the claim event, the Insured Party must provide the necessary information and allow the Insurer to verify the notification and the content of the information.

The Insurer will provide the benefits within 15 days of receiving all the documents necessary to assess the claim. Payments delayed due to late submission of a claim for a benefit or the documents required for its fulfilment shall be made by the Insurer free of interest.

The Insured Party or their heir(s) is (are) entitled to receive the service.

If an insured event occurs while travelling on an international special service and the passenger needs assistance, they can call the following assistance number, which is available 24 hours a day, every day of the year, in English or Hungarian.

+ 36 (1) 458-4483

Within the framework of the assistance service, the Insurer receives the notification of the claim and provides information.

Limitation period

After 2 years from the date of the occurrence of the insurance event, claims arising from the insurance are subject to expiry.

The Insurer is exempt from the obligation to provide accident insurance:

In respect of an insured party, the insurer shall be exempted from performing insurance services if it is proved that the death of the insured party occurred due to

the intentional conduct of the beneficiary, or
the insured party's suicide or attempted suicide.

Suicide also leads to an exemption if it was committed by the insured party due to lack of mental capacity.

The insurer is exempted from providing accident benefits if it is proved that the accident was caused by the insured party's intentional or grossly negligent conduct.

In particular, an accident caused by grossly negligent conduct is an accident that occurred

as a result of or in connection with a serious criminal offence committed by the insured intentionally, or
while the insured party was seriously intoxicated (blood alcohol level of 2.5 parts per thousand), or
was in direct causal relation to a condition of the insured due to the use of narcotic, intoxicating or other similar substances, or due to addiction to toxic substances, or
while the insured was driving without a valid driving licence or while intoxicated with a blood alcohol level of 0.8 parts per thousand and in breach of other traffic regulations.

The insurer is not obliged to provide the service if the insured event is not reported by the beneficiary or the insured party within the specified time limit and the material circumstances become impossible to ascertain.

Exclusions applied

The insurer shall exclude from its cover events which

are directly related to events of war, civil war, acts of terrorism, insurrection, rebellion, riot;

and are directly or indirectly related to

exposure to radioactive nuclear energy or ionising radiation (except for medical treatment for therapeutic purposes);
accidents causally related to the insured party's mental or consciousness disorder or suicide or attempted suicide;
previous injuries caused by an accident to parts of the body of the insured party which are permanently damaged or not intact for any reason;
damage caused by sunstroke, heatstroke, sunburn, frostbite;
poisoning or injuries caused by the deliberate ingestion of solid, liquid or gaseous substances, including drugs;
an abdominal or lumbar hernia (elevation), if not causally related to the accident;
cartilage injuries, sprains, sprains, bruises, abrasions, strains, and bleeding of non-accidental origin;
events occurring during the performance of the insured party's armed service or in connection with the insured party's carrying or use of a weapon.

Objects and valuables that are not classified as hand luggage and luggage that cannot be transported as hand luggage and luggage in the Contracting Party's Business Rules, are not considered insured assets.

The luggage may not contain jewellery, precious metal, art objects, stamps, collections, cash, non-cash and substitute means of payment (bank or credit cards, vouchers for services, etc.), securities, tickets, season tickets, documents, precious furs, as well as objects and accessories exceeding the original (new) value of HUF 50,000 per item.
The following cannot be carried as hand luggage:
- a. an object the carriage of which is prohibited by law or regulation,
- b. an object which, because of its size or weight, cannot be placed in a designated place on the bus or coach or which may cause damage to the health, safety, clothing or hand luggage of other passengers,
- c. devices prohibited for possession on means of public transport under the Government Decree on devices particularly dangerous to public safety, except those which may be possessed in the manner specified in the Decree, packaged or placed in a manner that meets the conditions for packaging or placement,
- d. loaded firearm

The following are not considered baggage, or are not insured assets:

jewellery, valuables made of precious metals, works of art, collectors' items, precious furs, stamps and musical instruments, arms and ammunition;
cash, domestic or foreign banknotes, cheques, postal orders, travellers' cheques, travel tickets, bank cards, securities of any kind, petrol vouchers and other tickets.

The documents necessary for the proof and assessment of the claim for the Insurer's services

In order to receive the insurance services, the beneficiary must provide, among other things, the following documents:

submission of the insurance claim;
medical records of the health care and recovery period;
in case of hospitalisation: the hospital discharge report, together with proof of the origin of the accident;
in the event of incapacity for work: ‘Doctors' certificate’, together with proof of the origin of the accident;
in the event of death: the death certificate, medical or official certificate attesting the cause of death, the origin of the accident;
medical certificates documenting the injury caused by the accident and its consequences;
in the case of a health impairment: an opinion of the National Institute of Rehabilitation and Social Expertise on the health impairment and a final social security decision stating this;
other documents specified by the insurer in connection with the proof of the claim and the payment of the claim (including, but not limited to: proof of date of birth);
other documents necessary to establish eligibility (entitlement for benefit), the insured event and the level of service.

If necessary, the insurer may also request other certificates and has the right to verify the content of the notifications and clarifications, including the right to order a personal examination of the insured party.

The costs of proving the insured event must be borne by the person who wishes to enforce the claim.

In the event of an insured event, the insurer may request the presentation of documents that are suitable to prove the insured event. The insurer may make the due date for the performance of its service conditional only on the presentation of such documents as are necessary to prove the occurrence of the insured event or to determine the amount of the service to be performed. The occurrence of the insured event must be proved by the contracting party, the insured party or the beneficiary. In the event of the occurrence of an insured event, the documents, official or court decisions, records and material evidence that prove the legal grounds for the insured event and its amount are suitable for proving the occurrence of the insured event. In addition to the above, the contracting party, insured party or beneficiary has the right to prove the insured event, in accordance with the general rules of evidence, in order to enforce their claim.

In the event that the documents requested by the insurer are not submitted or are submitted incompletely, the insurer will assess the claim on the basis of the available documents or may reject the claim.

In addition, to be reimbursed for accident expenses, damage to luggage and clothing and replacement personal documents, the following documents must be presented:

A detailed description of the lost or damaged baggage,
An itemised list of damaged items, with the purchase price and date of purchase,
Invoices proving the value of the lost luggage (in the absence of such invoices, the insurer will take into account the replacement value as determined by the insurer's expert),
Invoice of the re-production of the documents,
In the case of damage: a repair invoice or a certificate from a professional craftsman stating that the object cannot be repaired.

Information on the processing of personal data

The Insurer shall process the data relating to this contract on the basis of the consent of the Insured Party given with the insurance claim and pursuant to Sections 135 and 136 of Act LXXXVIII of 2014 on Insurance Activities (hereinafter Insurance Act).

The Insurer shall be entitled, on the legal ground indicated above, to process the personal and health data provided by the Insured Party passenger in connection with the conclusion, recording and provision of the passenger accident insurance contract in full, in accordance with the statutory provisions. The insurer is obliged to treat the information it receives as an insurance secret and to keep this secret without any time limit.

On behalf of UNIQA Biztosító Zrt, UNIQA Software Service GmbH (A-1029 Vienna, Untere Donau Strasse 21), the medical expert appointed by the insurer, as well as persons and agents who perform activities outsourced to the insurer in connection with the insurance contract at any time, may act as data processors. The data may be disclosed to the persons specified in the legislation and designated above, in accordance with the relevant legal conditions. The customer may request information about the processing of their data from the controller, may request the rectification of their data, the erasure or blocking of their data, except for mandatory data processing, may object to the processing of their data in cases specified by law, and may take legal action against the controller in case of violation of their rights. The lawsuit must be brought before the competent court, but the person concerned can also choose to bring it before the court of their place of residence or domicile.

Insurance secret means all data - other than classified information - in the possession of insurance companies, reinsurance companies and insurance intermediaries that pertain to the personal circumstances and financial situations (or business affairs) of their clients (including claimants), and the contracts of clients with insurance companies and reinsurance companies.

Unless otherwise provided for by law, the insurer may process the data it processes for the duration of the insurance relationship and for the period during which a claim may be made in connection with the insurance relationship. The insurer is obliged to delete all data relating to its customers, former customers or contracts which have not been concluded, the processing of which has ceased to serve a purpose, or the processing of which does not have the consent of the data subject or for which there is no legal ground for processing.

The insurer may, in the cases specified by law, transfer the data of the customers to the following bodies without breaching the insurance secret: the Supervisory Authority, the investigating authority and the public prosecutor's office acting in their capacity, to the court, the expert appointed by the court, the bailiff, the creditor in chief in debt settlement proceedings for natural persons, the Family Bankruptcy Prevention Service, the family property administrator, the notary public acting in probate proceedings, the expert appointed by the notary public acting in probate proceedings, the tax authority, the national security service, the Hungarian Competition Authority, the guardianship authority, the health authority, the body authorised to use secret services, the body authorised to collect secret information, the reinsurer, the co-insurer, the ceding insurer in the event of a transfer of portfolio, the partner carrying out the outsourced activity, the auditor, the third-country insurer in the case of a branch, the insurance intermediary, the Commissioner for Fundamental Rights, the National Authority for Data Protection and Freedom of Information, to a financial institution as defined in the Act on the Credit Institutions and Financial Enterprises in relation to an insurance contract relating to a claim arising from a financial service, to an authority acting as a financial information unit acting in the context of its functions as defined in the Act on the Prevention and Combating of Money Laundering and Terrorist Financing or to a Hungarian law enforcement agency acting under an international commitment. Another exception to the obligation to maintain insurance secrets is the obligation to notify in the law on the enforcement of financial and property restraint measures imposed by the European Union. The disclosure of the group investigation report to the managing member of the financial group in the case of group supervision does not constitute a breach of the obligation of professional secrecy and business secrecy in the supervisory review process.

In the case and after the period specified in Section 147 of the Insurance Act, a document containing a business secret may be used for archival research. Another exception to the obligation to maintain business and insurance secrets is the obligation to disclose data of public interest and data in the public interest as defined in the Act on the Disclosure of Data of Public Interest.

The contracting party and the insured parties consent to the transfer of their data to (re)insurers in third countries by the insurer or to data processing organisations in third countries and to the transfer of their data to institutions relevant for the purposes of their healthcare treatment in connection with this contract.

In order to safeguard the interests of the risk community, the insurer may, in the performance of its statutory or contractual obligations, request other insurers to provide services in accordance with the law and the contract, and to prevent abuse of insurance contracts furthermore, at the request of another insurer in accordance with the law, shall provide the requesting insurer with the requested data within the appropriate time limit specified in the request, failing which within fifteen days of receipt of the request. The request and its execution do not constitute a breach of an insurance secret. The request or transfer may relate to the data recorded in the Insurance Act. The insurer may process the data that come to its knowledge as a result of the request until the date specified by law. The requesting insurer shall notify the policyholder of the request, the data contained therein and the execution of the request at least once during the insurance period, and shall inform the policyholder upon request in the manner provided for in Act CXII of 2011 on the Right of Informational Self-determination and Freedom of Information.

Settlement of complaints and disputes

The Customer may lodge a complaint regarding the conduct, activity or omission of UNIQA Biztosító Zrt orally (in person, by telephone) or in writing (in person or by a document delivered by another person, by post, fax or e-mail) as follows:

a) in person in writing or orally at the Customer Service of the insurer (1134 Budapest, Róbert Károly krt. 70–74.) during customer reception hours,

b) electronically (at the panasziroda@uniqa.hu e-mail address),

c) by phone (via the insurer’s Call Centre at the following phone numbers: +36-1/20/30/70/544-5555),

d) via telefax

(at the following telefax number: +36-1/238-6060),

e) by mail (to the following address: 1134 Budapest, Róbert Károly krt. 70–74.).

Please include the designation ‘Complaint Handling’ as the recipient of the complaint. The detailed rules of the complaints procedure [Complaints Handling Policy] are available on our website www.uniqa.hu and can also be found at the Customer Services at the insurer's registered office.

If the complaint is rejected by the insurer or if the 30-day time limit for responding to the complaint has expired without any result and the complaint relates to the conclusion, validity, effects, termination or breach of contract and its effects of the insurance contract by the Customer may turn to

a) the Financial Arbitration Board (hereinafter PBT, postal address: 1525 Budapest Pf. 172, phone: +36-80-203-776, telefax: +36-1-489-9102, e-mail: ugyfelszolgalat@mnb.hu) or

b) the court pursuant to the rules of the Code of Civil Procedure

UNIQA Biztosító Zrt. has not made a general declaration of submission in relation to the PBT procedure.

If the complaint rejected by the insurer concerns the investigation of a breach of the consumer protection provision of Act CXXXIX of 2013 on the Magyar Nemzeti Bank (hereinafter MNB Act), the Customer may initiate the consumer protection procedure of the MNB's Financial Consumer Protection Centre [1534 Budapest BKKP PO Box 777, phone: +36-80-203-776, fax: +36-1-489-9102, e-mail cím:ugyfelszolgalat@mnb.hu].

The initiation of both the PBT and the MNB proceedings is conditional on the Customer qualifying as a consumer under the provisions of the MNB Act and attempting to resolve the dispute directly with the insurer before initiating the legal remedy.

For the purposes of the MNB Act, a consumer is a natural person acting for purposes other than their own occupation and economic activity. For the purposes of complaint handling, the following are not considered to be consumers: e.g., a company, a cooperative, a partnership, a law firm or any other legal entity, an insurance intermediary or a person employed by/acting on behalf of an insurer or insurance intermediary.

If the Customer does not qualify as a consumer under the provisions of the MNB Act, the Customer may initiate civil proceedings against the decision of the insurer rejecting the complaint or, if the 30-day deadline for responding to the complaint has expired without result, at the court having jurisdiction and competence under the Code of Civil Procedure.

The Supervisory Authority of the insurer: Magyar Nemzeti Bank

Registered office: 1054 Budapest, Szabadság tér 9.

Customer Service: 1013 Budapest, Krisztina krt. 39.

Postal address: Magyar Nemzeti Bank, 1850 Budapest

Internet access: www.mnb.hu

Customer Service phone number: +36 80-203-776

UNIQA Biztosító Zrt. wishes a pleasant journey.

Effective: from 1 July 2017