SCHENGEN TRAVEL

Schengen Travel Valid from 2017

Your BUPA Broker: J+C Budmiger GmbH Eta-Glob Help-System CH-3900 Brig / Switzerland Tel. +41 (0)27 946 60 24 info@eta-glob.ch www.eta-glob.ch

Contents2 Feel safe when travelling

3 Cover and benefits

4 Policy Conditions

7 Glossary

Feel safe whentravellingThe Schengen Travel plan offersprotection if you have a sudden,unexpected illness or injury whentravelling to a country within theSchengen area.The plan has been specially designed to meet theregulations set up by the European Union.According to these regulations, persons who applyfor an entry visa to the Schengen area must provethat they have a valid medical travel insurance. Theinsurance must cover costs for emergencytreatment, hospitalisation, urgent ambulancetransportation and medical evacuation back to thehome country. The insurance amount must be atleast EUR 30,000.

Schengen Travel complies with all these demandsand covers you on all types of trips to the Schengencountries.

Choice of cover periodYou can choose between different options,depending on how long and how often you travel tothe Schengen area.

Single trip cover from three days up to 62 days.Multiple trip cover within a 90 days, 182 days or365 days period.

The benefits are the same for all options, only theperiod of cover and the premiums vary.

If you need our helpIn case of a sudden illness or accident, please callBupa Global Assistance for 24-hour emergencyservice. Our competent staff and doctors work dayand night, and bills regarding hospitalisation arepaid directly to the hospital. If you are hospitalised,you must always notify Bupa Global Assistanceimmediately so that we can send a guarantee ofpayment to the hospital.

In case of outpatient treatment by a doctor youmust pay the bill yourself before claimingreimbursement. After this, you must send us theitemised and receipted bill together with acompleted claim form in order for us to process

your claim.

If you have a pre-existing conditionSchengen Travel covers acute illness and injuryoccurring after you have started your trip abroad. Inorder for an illness to be covered it must beunexpected. Therefore, if you suffer from acondition before you begin your trip, this willnormally not be covered.

If you have a pre-existing condition and if you arenot sure whether the insurance provides coverage,you should send a medical report to Bupa GlobalTravel before your trip in order to get informationabout the cover in your particular situation.

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Cover and benefitsValid from January 2017

The list of cover and benefits is part of the Policy Conditions. All benefits listed are per person per trip.

EUR

Maximum cover per person per trip 30,000

Hospitalisation 100%

Ambulance transportation 100%

Medical evacuation/repatriation 100%

Statutory arrangements in case of death 100%

Home transportation of the deceased 100%

Outpatient treatment by doctors and specialists after a deductible per claim of EUR 100*

*No cover of any kind of medicine (neither non-prescribed nor prescribed medicine).

100%

The premium is listed on a separate premium sheet.

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Policy ConditionsValid from 1 January 2017In accordance with the Danish Insurance ContractsAct.

IndexArt. 1 Acceptance of the insuranceArt. 2 Commencement dateArt. 3 Who is covered by the insurance?Art. 4 Where is cover provided?Art. 5 What is covered by the insurance?Art. 6 Medical expensesArt. 7 Medical evacuation/repatriationArt. 8 Exceptions to coverArt. 9 How to report a claimArt. 10 Cover by third partiesArt. 11 Payment of premiumArt. 12 Necessary information to the CompanyArt. 13 Assignment, termination, cancellation andexpiryArt. 14 Disputes, venue, etc.Glossary

Art. 1Acceptance of the insurance1.1: Bupa Denmark, filial af Bupa Insurance Limited,England (Bupa Denmark, branch of Bupa InsuranceLimited, England), hereinafter called the Company,shall decide whether the insurance can be accepted.In order for the insurance to be accepted and theCompany to become liable, the application must beapproved by the Company. The Company may offerthe insurance on special terms. If the Companydecides to offer the insurance on special terms, thepolicyholder will receive a policy schedule in whichthese terms are stated.

1.2: In order for the insurance to be accepted by theCompany the applicant must not have reached 80years of age at the commencement date.

Art. 2Commencement date 2.1: The insurance shall be valid if the premium hasbeen paid prior to the commencement date. Theinsurance shall be effective in the period stated inthe policy schedule.

2.2: The right to compensation shall take effectwhen the insured leaves his/her country ofpermanent residence and shall cease upon return tothe country of permanent residence. If the insuranceis taken out after the insured has left the country ofpermanent residence, the cover under the insurance/ additional options is not effective until 3 days afterthe purchase date. In the event of serious injury inconnection with an accident, the right tocompensation shall, however, take effectconcurrently with the commencement date of theinsurance.

2.3: If the 90 days multiple trip cover has beenchosen, cover shall be valid only for trips up to 30days' duration per trip.

2.4: If the 182 days multiple trip cover has beenchosen, cover shall be valid only for trips up to 90days' duration per trip.

2.5: If the 365 days multiple trip cover has beenchosen, cover shall be valid only for trips up to 90days' duration per trip.

Art. 3 Who is covered by theinsurance?3.1: The insurance shall cover the insured person(s)named in the policy.

Art. 4 Where is cover provided?4.1: The insurance shall provide cover withincountries which are under the Schengen regulations.

4.2: The insurance does not provide cover in thecountry where the insured has a permanentresidential address.

Art. 5 What is covered by theinsurance?5.1: The insurance shall cover expenses incurred bythe insured in the insurance period in accordancewith the applicable benefits listed on page 4. Theinsurance cover has a guaranteed minimum of EUR30,000. Cover shall not exceed this insuranceamount.

5.2: Fellow-travelling children under the age of 18who are covered by the insurance shall be entitledto compensation for reasonable travel expenses ifthe parents or all the fellow-travellers are medicallyevacuated in connection with a transport coveredby the insurance.

Art. 6 Medical expenses6.1: The insurance shall cover the medical expensesincurred by the insured in case of an acute illnessand injury.

6.2: Prescribed emergency inpatient treatment andmedication in a hospital and local transport to andfrom hospital shall be compensated at 100% of theexpenses.

6.3: Treatment by authorised physicians andspecialists shall be compensated at 100% of theexpenses after a deductible of EUR 100 per claim.

6.4: The insurance shall not cover expenses fortreatment of pre-existing, chronic or recurrentillnesses and disorders if the insured:

a) has been hospitalised within six months prior toeach departure from the home country,

b) has been treated by a physician (routinecheck-ups excepted) within six months prior to eachdeparture from the home country,

c) has had a change of medication within six monthsprior to each departure from the home country,

d) has not received medical treatment, has refusedor given up treatment, even though the insuredshould know that the illness/disorder ought to betreated, or has deteriorated,

e) has reached a state where any attempt of furthertreatment has been abandoned, or has been refusedtreatment,

f) is waiting to receive treatment, or has beenreferred to another place of treatment,

g) has omitted to go to pre-arranged controls.

The insurance does not cover expenses for control,treatment and medicines in connection withstabilisation and regulation of a pre-existing, chronicor recurrent illness/disorder. The insurance does notcover a need for treatment which was expectedbefore departure.

6.5: The insurance does not cover conditions whichare defined by the Company's medical consultantsto be indisputably pre-existing.

6.6: Physicians and specialists performing thetreatment must have authorisation in the country ofpractice. Furthermore, the method must beapproved by the public health authorities in thecountry where the treatment takes place. Methodsof treatment not yet approved by the public healthauthorities, but under scientific research, will only becovered if approved in advance by the Company'smedical consultants.

6.7: The Company has the right to demand that theinsured be repatriated to the country of permanentresidence, if the Company's medical consultants andthe treating physician agree that the insured ismedically fit to be transferred to his/her country ofpermanent residence. In case of disagreement, thedecision of the Company's medical consultant shallprevail.

Art. 7 Medical evacuation/repatriation7.1: Compensation shall be paid for reasonableadditional expenses incurred for the insured'smedical evacuation/repatriation in the event of anacute serious illness (cf. however Art. 6.4), seriousinjury or death.

7.2: The insurance shall provide cover subject to thetreating physician and the Company's medicalconsultants agreeing on the necessity of transferringthe insured and agreeing on whether the insuredshould be transferred to his/her country ofpermanent residence or to another place oftreatment.

7.3: The Company cannot be held liable for expensesfor a medical evacuation/repatriation which has notbeen pre-approved and co-ordinated by theCompany.

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7.4: Only one transportation is covered inconnection with one illness or injury or case ofdeath.

7.5: In the event of the insured's death, expenses forhome transportation of the deceased and forstatutory arrangements such as embalming and azinc coffin shall be reimbursed. The next of kin havethe following options:

a) cremation of the deceased and hometransportation of the urn, or

b) home transportation of the deceased.

7.6: If the insured is unable to continue the trip dueto an acute illness or injury covered by theinsurance, additional and reasonable travelexpenses shall be covered when the insured is ableto travel again, and when accepted by the Companyprior to the change of travel itinerary.

7.7: The Company cannot be held liable for anydelays or restrictions in connection with thetransportation caused by weather conditions,mechanical problems, restrictions imposed by publicauthorities or by the pilot or any other conditionbeyond the Company's control.

Art. 8Exceptions to cover8.1: The Company shall not be liable to payreimbursement for expenses which concern are dueto or are incurred as a result of:

a) any illness, injury, bodily infirmity or physicaldisability and consequences hereof which havecome into existence, or shown symptoms beforeeach trip abroad (see also Art. 6.4),

b) cosmetic surgery and treatment andconsequences thereof unless medically prescribedand approved by the Company,

c) convalescence treatment,

d) pre-existing diseases of the teeth and dentaltreatment,

e) dentures, glasses, contact lenses and hearing aids

f) venereal diseases, AIDS, AIDS-related diseasesand diseases relating to HIV antibodies (HIVpositive). However, diseases relating to AIDS andHIV antibodies (HIV positive) are covered, if provento be caused by a blood transfusion received afterthe commencement of the policy. The HIV-virus willalso be covered if proven to be contracted as theresult of an accident occurring during the course ofonly the following occupations: doctors, dentists,nurses, laboratory personnel, ancillary hospitalworkers, medical and dental assistants, ambulancepersonnel, midwives, fire brigade personnel,policemen/-women, and prison officers. The insuredshall notify the Company within one week after suchaccident and at the same time provide a negativeHIV antibody test,

g) medical assistance in connection with maternityafter 8th month (36th week) of pregnancy, and afterthe 4th month (18th week) when the pregnancy isthe result of any kind of fertility treatment and/orthe insured is expecting more than one child.Medical check ups are not covered in any case,

h) induced abortion which is not medicallyprescribed,

i) the use of alcohol, drugs or medicines unless itcan be documented that the illness or injury isunrelated thereto,

j) intentional self-inflicted bodily injury, the insured'ssuicide or the insured's suicide attempts,

k) treatment by naturopaths, naturopathicmedicines and other alternative methods oftreatment,

l) treatment for sickness or injuries directly orindirectly caused while actively engaging in:

war, invasion, acts of a foreign enemy, hostilities(whether war has been declared or not), civil war,terrorist acts, rebellion, revolution, insurrection, civilcommotion, military or usurped power, martial law,riots or the acts of any lawfully constitutedauthority, or army, naval or air services operations(whether war has been declared or not),

m) nuclear reactions or radioactive fallout,

n) treatment performed by an unrecognisedphysician or facility,

o) epidemics which have been placed under thedirection of the public authorities,

p) treatment by psychologists, unless prescribed bythe treating physician in connection with emergencyrelief,

q) routine medical check-ups, vaccinations andother preventative treatment,

r) the insured resisting or failing to comply with themedical directions given by the Company's medicalconsultants and the treating physician,

s) the insured resisting medical evacuation (see alsoArt. 6.7), treatment,

t) transportation which has not been pre-approvedand co-ordinated by the Company,

u) medical treatment and examinations which canawait the insured's arrival home,

v) private room in hospital unless medicallyprescribed and approved by the Company,

w) any treatment which is not necessary or which isnot directly related to the diagnosis covered by theinsurance,

x) active participation in any motorsport show,motorsport race or motorsport competition,including any training, base jumping, paragliding,hang gliding, rock climbing and mountaineering thatrequires specialized climbing equipment,

y) any illness or injury resulting from activeengagement in any illegal act,

z) search and rescue services,

aa) injury caused by gross negligence and/or withintent.

Art. 9How to report a claim9.1: Compensation shall be paid following theCompany's approval of the expenses as beingcovered by the insurance after a fully completedclaim form has been submitted to the Companytogether with the receipted and itemised bills.Furthermore, the insured must submit other relevantdocumentation such as medical information, flighttickets, travel documents and a copy of thecomplete passport.

The Company scans submitted bills upon receipt.Any retrieval of the submitted bills is not possible.

The Company reserves the right at any time torequire provision of original bills from the insured.

9.2: In no event shall the amount of compensationexceed the amount shown on the bill. If the insuredreceives compensation from the Company in excessof the amount to which he/she is entitled, theinsured shall be under the obligation to repay theCompany for the excess amount immediately.Subsequent compensation made by the Companyshall first be written down by any such outstandingamount.

9.3: Compensation payments shall be limited to theusual, customary and reasonable charges in the areaor country in which the treatment is provided.

9.4: The Company must be notified immediately incase of death, hospitalisation, or medicalevacuation, and such notification must includemedical information about the illness/injury.

Notification should be made by telephone or emailto the Company's 24 hour emergency service, theCompany shall defray all expenses incurred in thisconnection.

9.5: Claims must be reported to the Companyimmediately and no later than 30 days after theinsured's arrival to the home country.

9.6: Complaints regarding the Company's claimshandling shall be filed not later than 30 days afterreceipt of the compensation amount.

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Art. 10Cover by third parties10.1: Where there is cover by another insurancepolicy or healthcare plan, this must be disclosed tothe Company when claiming reimbursement, andthe cover under this insurance shall be secondary toany such other insurance policy or healthcare plan.

10.2: In these circumstances the Company willcoordinate payments with other companies and theCompany will not be liable for more than its rateableproportion.

10.3: If the claim has been covered in whole or inpart by any scheme, programme or similar, fundedby any Government, the Company shall not be liablefor the amount covered.

10.4: The policyholder and any insured personundertake to cooperate with the Company and tonotify the Company immediately of any claim orright of action against third parties.

10.5: Furthermore, the policyholder and any insuredperson shall keep the Company fully informed andwill take any reasonable steps in making a claimupon another party and to safeguard the interests ofthe Company.

10.6: In any event, the Company shall have the fullright of subrogation.

Art. 11Payment of premium11.1: Premiums are determined by the Company andshall be payable in advance for the whole insuranceperiod before the commencement of the insurance.

11.2: The policyholder shall be responsible forpunctual payment of the premium to the Company.

11.3: In the event of a failure to pay before thecommencement date of the insurance, the insuranceshall not be effective and the Company shall notbecome liable.

11.4: In case of annulment of the insurance prior tothe commencement date, refund of premium ispossible only if a written request is received by theCompany. The Company will charge a fee inconnection with refund of premium. After thecommencement date of the insurance, the premium

is considered fully earned and non-refundable.

11.5: Other charges, such as Insurance Premium Tax(IPT), or other taxes, levies or charges, dependingon the laws of the policyholder's country ofresidence may apply. If they apply to thepolicyholder's insurance premium, they will beincluded withinthe total that has to be paid on the premium notice.The charges may apply from the commencementdate or the anniversary of the commencement date.The policyholder must pay these charges to us whenpaying the premiums, unless otherwise requiredby law.

Art. 12Information necessary to the Company12.1: The policyholder and/or the insured shall beunder the obligation to notify the Company of anytravel or health insurance cover or a similar coverwith another company including an affiliatedcompany.

12.2: The policyholder and/or the insured shall alsobe under the obligation to notify the Company ofand provide the Company with all obtainableinformation required for the Company's handling ofthe policyholder's and/or the insured's claimsagainst the Company, including provision of originalbills upon request from the Company.

12.3: In addition, the Company is entitled to seekinformation about the insured's state of health andto contact any hospital, physician, etc. who istreating or has been treating the insured for physicalor mental illnesses or disorders. Furthermore, theCompany is entitled to obtain any medical recordsor other written reports and statements concerningthe insured's state of health.

Art. 13 Assignment, termination,cancellation and expiry13.1: Without the prior written consent of theCompany, no party shall be entitled to create acharge on or assign the rights under the insurance.

13.2: The insurance may be terminated by thepolicyholder with effect from the end of a calendarmonth with 30 days' prior notice by phone, letter oremail or by the Company with effect from the policyanniversary with one month's prior written notice.

13.2.1: When a claim has been filed, the insurancecan be terminated with one month notice by thepolicyholder or by the Company within 14 days afterthe reimbursement has been effected or rejected bythe Company.

13.3: Right of withdrawalIf the policyholder has purchased a travel insurancewith an insurance period of more than one month,the policyholder has a right to withdraw from thepurchase.

The period during which the insurance can bewithdrawn lasts 14 days and begins on the date onwhich the policyholder has entered into theinsurance agreement. This will normally be the dateon which the policyholder receives the policyschedule.

Under the Danish Insurance Contracts Act thepolicyholder has a right to receive certaininformation about the right to cancel the insuranceand about the insurance. The notice period forcancellation does not commence before thepolicyholder has received this information in writing(e.g on paper or by email).

If, for example, the policyholder receives the policyschedule, and also has received the aboveinformation, Monday the 1st, he/she can cancel theinsurance until and including Monday the 15th. If theperiod expires on a public holiday, Saturday orSunday, the policyholder can wait until the followingday.

If the insurance has entered into force before thewithdrawal, the policyholder will be chargedpremium for the time he/she has been covered. TheCompany will refund the difference between thepremium that would be payable for the shorterperiod of cover and the premium paid.

If the policyholder wants to withdraw the insurancethe Company must be notified per letter or email.The Company's contact details are listed at the endof this document.

It is sufficient that the letter/email is sent to theCompany before the expiry of the notice period

If a policyholder has purchased a travel insurance

with an insurance period of less than one month, thepolicyholder has no right to withdraw from thepurchase according to the Danish InsuranceContracts Act.

13.4: The Company's liability in connection with theinsurance, including liability for reimbursement formedical expenses for ongoing treatment,after-effects or consequential damages inconnection with an injury or illness incurred ortreated during the insurance period, shallautomatically cease upon expiry, cancellation ortermination of the insurance.

Accordingly, upon expiry, cancellation ortermination of the insurance, an insured's right toclaim reimbursement shall cease. Claims forreimbursement of medical expenses incurred duringthe insurance period must be filed within six monthsof the date of expiry, cancellation or termination ofthe insurance in order to be eligible forreimbursement.

13.5: The insurance period can be extended up to 48hours with no extra premium charge if the return ofthe insured is delayed without the insured beingresponsible for the delay.

13.6: Where, upon taking out the insurance orsubsequently, the policyholder or the insured hasfraudulently disclosed incorrect information orwithheld facts which may be regarded as being ofimportance to the Company, the insurance contractshall be void and shall not be binding on theCompany.

13.7: The Company can stop or suspend an insuranceproduct at three months' notice prior to the policyanniversary.

13.8: Sanction clauseThe Company will not provide cover nor pay claimsunder this insurance policy if the Company'sobligations (or the obligations of the Company'sgroup companies and administrators) under thelaws of any relevant jurisdiction, including Denmark,UK, European Union, the United States of America,or international law, prevent the Company fromdoing so. The Company will normally tell thepolicyholder if this is the case unless this would beunlawful or would compromise the Company'sreasonable security measures.

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This insurance policy does not provide cover to theextent that such cover would expose the Company(or the Company's group companies andadministrators) to any sanction, prohibition orrestriction under United Nations resolutions or thetrade or economic sanctions, laws or regulations ofthe European Union, UK or United States ofAmerica, or under other relevant international law.

Art 14 Disputes, venue, etc.14.1: Any disputes arising out of or in connectionwith the insurance contract shall be settled inaccordance with Danish law, with Copenhagen asthe agreed venue. The Company is affiliated toAnke-nævnet for Forsikring (The Danish InsuranceComplaints Board).

GlossaryThis Glossary with definitions is part of the PolicyConditions.

E. & O. E.

Defined term Description

Acute serious illness: An "acute serious illness" is asudden and unexpected illness thatrequires immediate treatment.

Bupa Global (incl.we/us/our):

Bupa Denmark, filial af BupaInsurance Limited, England (BupaDenmark, branch of Bupa InsuranceLimited, England). Bupa GlobalTravel is a trading name of BupaDenmark, filial af Bupa InsuranceLimited, England.

Application: The Application form andApplication for a cover of apre-existing condition.

Claim: The financial demand covered inwhole or in part by the insurance. Inthe Company'sevaluation/determination of theclaim, the time of treatment isdecisive, not the time of theoccurrence of the injury/illness.

Applicant: A person named on the applicationform as an applicant for insurance.

Commencementdate:

The date indicated in the policyschedule on which the insurancecommences, unless otherwise statedin the Policy Conditions.

Company, the Bupa Denmark, filial af BupaInsurance Limited, England, CVR31602742.

Country ofpermanent residence

The residence where the insured hashis/her permanent home orprincipal establishment and towhere, whenever the insured isabsent, the insured intends toreturn.

Hospitalisation: Surgery or medical treatment in ahospital or clinic as an in-patientwhen it is medically necessary tooccupy a bed overnight.

Insurance: The Policy Conditions and policyschedule representing the insurancecontract with the Company andsetting out the scope of theinsurance terms, the premiumpayable, cover and benefits.

Defined term Description

Insured The policyholder and/or all otherinsured persons as listed in the validpolicy schedule.

Next-of-kin "Next of kin" shall mean thefollowing persons in the belowstated order:

spouselive-in partner (if the belowconditions are met)children/heirs of the bodybeneficiary under awill/beneficiary under anintestacy.

The next-of-kin will always be found"from the top". Accordingly, if theinsured is not survived by a spouse,a surviving live-in partner willreceive the payment, and so forth.

For a live-in partner to beconsidered as the next-of-kin, he orshe must have lived together withthe insured and have shared thesame address and:

be expecting, have or have hada joint childhave been living together withthe insured in a conjugalrelationship at the sharedaddress for the last two yearsleading up to the death of theinsured.

For insurance policies establishedbefore 1 January 2008, under whichthe beneficiary according to thepolicy conditions or by choice of thepolicy holder is "the next of kin", alive-in partner is not entitled topayment under the policy. However,if the policy holder, in writing, after 1January 2008 reinstates "the next ofkin" as the beneficiary under theinsurance, the above mentionedorder shall apply as if the insurancepolicy had been established after 1January 2008.

Outpatient: Surgery or medical treatment in ahospital or clinic where it is notmedically necessary to occupy abed.

Defined term Description

Policy Conditions: The terms and conditions of theinsurance purchased.

Pre-existingcondition:

Any illnessess and conditions thathave shown symptoms and/or forwhich the insured hasbeen hospitalised, treated by aphysician or has received anymedical treatment for before thecommencement date of theinsurance.

Serious injury: A "serious injury" shall bedetermined to exist only afterreview and agreement by both theattending physician and theCompany's medical consultant.

Subrogation: The insurer's right to enforce aremedy which the insured hasagainst a third party and theinsurer's right to require the insuredto repay the insurer if the insurerhas paid expenses recouped by theinsured from a third party.

Unrecognisedmedical practitioner,provider or facility:

An unrecognised medicalpractitioner, provider or facilityincludes:

treatment provided by amedical practitioner, provideror facility who is notrecognised by the relevantauthorities in the countrywhere the treatment takesplace as having specialisedknowledge, or expertise in, thetreatment of the disease,illness or injury being treated.treatment by any medicalpractitioner, provider or in anyfacility to whom we have senta written notice that we nolonger recognise them for thepurposes of our plans.treatment provided by familymembers or anyone with thesame residence as the insured

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286E7-21v1.1_Schengen Travel_ENG_Cond - PDFv1.2

Call Bupa Global Travel's CustomerService for questions on your policy,payment, coverage etc.

Open 9am - 5pm (CET) weekdays

Tel: +45 70 20 70 48Fax: +45 33 32 25 60Email: travel@ihi-bupa.com

Palægade 8DK-1261 Copenhagen KDenmark

Call Bupa Global Assistance for 24-houremergency service and medical help

Tel: +45 70 23 24 61Email: emergency@ihi-bupa.com

Calls will be recorded and may be monitored.

European addressesBupa GlobalVictory HouseTrafalgar PlaceBrightonBN1 4FYUK

Bupa Cyprus3 Ioannis Polemis StreetPO Box 51160 3502 LimassolCyprus

Bupa Denmark, filial af Bupa Insurance Limited,England Palægade 8DK-1261Copenhagen KDenmark

Bupa MaltaTestaferrata StreetTa' Xbiex XBX 1403Malta

ihi.com

Your IHI BUPA Broker:

J+C Budmiger GmbH Eta-Glob Help-System

P. O. Box 88 CH-3900 Brig / Switzerland

Tel. +41 (0)27 946 60 24 Fax +41 (0)27 946 60 34

info@eta-glob.ch www.eta-glob.ch