ACCIDENT INSURANCE POLICY

MULTI-RISK AGREEMENT FOR ACCIDENT AND THIRD-PARTY LIABILITY INSURANCE

EXTRACT OF POLICY TERMS

ACCIDENTS No. 160119995

TPL/EMPLOYEE LIABILITY No. 160119999

MULTI-RISK AGREEMENT

FOR THIRD-PARTY LIABILITY AND EMPLOYEE LIABILITY INSURANCE, ACCIDENTS – INJURIES, ON BEHALF OF AND FOR THE BENEFIT OF C.S.A.In. – CORPORATE AND INDUSTRIAL SPORTS CENTRES, ITS CENTRAL AND PERIPHERAL BODIES, AFFILIATED AND ASSOCIATED COMPANIES/ASSOCIATIONS, AND MEMBERS

Between C.S.A.In. – CORPORATE AND INDUSTRIAL SPORTS CENTRES, hereinafter referred to as the Policyholder, and UNIPOLSAI ASSICURAZIONI S.P.A. and any co-insuring companies, hereinafter referred to as the Company or Insurer, the following Agreement is entered into (in accordance with the provisions of Ministerial Decree of 03/11/2010) to provide coverage for Accidents – Injuries, Third-Party Liability, and Employee Liability, in the name and on behalf of C.S.A.In, its central and peripheral bodies, affiliated companies/associations, and Members.

GENERAL INSURANCE TERMS

Art. 1 – Entitlement to insurance coverage

The document that constitutes entitlement to insurance coverage, regardless of the activity carried out, but falling within the purposes of the Policyholder, of the role held or of the function performed, is:

the numbered Membership Card, which represents the status of member recognised by C.S.A.In. – CORPORATE AND INDUSTRIAL SPORTS CENTRES, containing the information necessary to prove membership pursuant to Art. 4 of the Ministerial Decree of 3/11/2010; or
affiliation to C.S.A.In. – CORPORATE AND INDUSTRIAL SPORTS CENTRES for Companies/Associations.

For C.S.A.In. – CORPORATE AND INDUSTRIAL SPORTS CENTRES, this Agreement itself constitutes entitlement.

Membership cards and affiliations will be issued by C.S.A.In. – CORPORATE AND INDUSTRIAL SPORTS CENTRES and its peripheral bodies, as well as by its affiliates (Associations/Sports Clubs) specifically authorised for this purpose, according to the organisational methods and procedures deemed appropriate.

For affiliated Companies/Associations, the “Affiliation Certificate”, numbered and dated with indication of the sports year, also constitutes entitlement to insurance coverage.

It is specified that if a member has more than one card, in the event of a claim, the Company shall pay compensation only once based on the card corresponding to the sport that caused the injury, without any possibility of cumulating coverage between multiple cards.

Art. 2. Duration and commencement of the agreement

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Art. 3 Obligations of the Entity

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Art. 4 Notification of Claims under the Agreement

Notwithstanding the provisions of Articles 1913 and 1915 of the Italian Civil Code, the claim must be submitted by the Insured to the Insurer or to the designated management office, as further specified in Article 10 “Procedures for Claim Notification”, also via the broker:

in the event of a “Third-Party Liability” claim, within 45 days from when the Insured became aware of the compensation request made by the injured parties or their legal representatives;
in the event of an “Employee Liability” claim, within 45 days from when the Insured became aware of the notice for a judicial investigation pursuant to the Accident Law. Furthermore, if criminal proceedings are initiated due to the accident, the Insurer must be notified as soon as possible. Likewise, the Insurer must be informed of any claim or action brought by the injured party or their legal representatives, as well as by the Accident Insurance Institution to obtain or recover compensation, in accordance with Articles 10 and 11 of Presidential Decree 30 June 1965, No. 1124, promptly providing acts, documents, information, and any other material relating to the dispute;
in the event of an “Accident” claim, within 45 days from the date of the event and/or from when the Insured and/or the entitled parties had the possibility to submit it.

Art. 5 Premium determination – Collection of deposits and premium adjustment

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Art. 6 Broker Clause

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Art. 7 Co-insurance

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THIRD-PARTY LIABILITY AND EMPLOYEE LIABILITY, ACCIDENTS – INJURIES, ON BEHALF OF AND FOR THE BENEFIT OF C.S.A.In. – CORPORATE AND INDUSTRIAL SPORTS CENTRES, ITS CENTRAL AND PERIPHERAL BODIES, AFFILIATED AND ASSOCIATED COMPANIES/ASSOCIATIONS, AND MEMBERS

DEFINITIONS

Insured

The person whose interest is protected by the insurance.

Insurance

The insurance contract.

Beneficiary

The Insured themselves. In case of death and absence of designation, the legal and/or testamentary heirs of the Insured shall be beneficiaries.

Broker

Marsh S.p.A. – Viale Bodio 32, 20128 Milan.

Policyholder

C.S.A.In. – CORPORATE AND INDUSTRIAL SPORTS CENTRES.

Day Hospital

Healthcare facility with beds for daytime stays, authorised to provide surgical or medical treatments performed by specialist doctors, with preparation of medical records.

Deductible

Predetermined amount which, in the event of a loss, is borne by the Insured and is deducted from the compensation for each claim.

Compensation

The sum owed by the Company in the event of a claim.

Accident

Any event due to a sudden, violent and external cause, resulting in objectively verifiable bodily injuries, which result in death or an injury listed in the attached table pursuant to the Ministerial Decree of 3 November 2010.

Immobilisation (Cast)

A restraining device consisting of plaster bandages or other immobilising apparatus applied in a healthcare facility.

Permanent Disability

Definitive and irreparable loss or reduction of the capacity to perform any gainful work, regardless of the profession carried out.

Healthcare Institution

University institute, hospital, clinic, Day Hospital duly authorised to provide hospital care. Thermal establishments, facilities primarily intended for dietary purposes, convalescent or long-term care homes, and elderly care facilities are not conventionally considered healthcare institutions.

Injury

Any alteration of the structure of a specific part of the body as specifically listed in the attached Table, provided it is caused by an accident.

Illness

Any alteration of health not caused by an accident, resulting solely from acute onset, excluding pathological conditions arising and/or revealed prior to the contract, even if manifested later with sudden symptoms.

Maximum Limit

The maximum amount of the Company’s benefit.

Policy

The document evidencing the Insurance.

Premium

The amount owed by the Policyholder to the Company.

Hospitalisation

Period of stay in a healthcare institution. Day Hospital stays are also considered hospitalisation, provided they are certified by medical records.

Risk

The probability of the occurrence of the claim.

Excess

The amount calculated as a percentage of the damage, which for each claim settled under the policy is deducted from the compensation. This amount remains the responsibility of the Insured, who may not, under penalty of forfeiting any entitlement to compensation, insure it with another party.

Claim

The occurrence of the harmful event for which insurance coverage is provided.

Company

The Insurance Companies participating in the insurance programme.

Surgical treatment

Aggressive therapeutic procedure performed by a doctor/specialist requiring at least one overnight stay in a healthcare institution.

COMMON PROVISIONS APPLICABLE TO ALL SECTIONS

Art. 1 Scope of coverage

The coverage applies to all Members/Affiliates for all activities organised and/or authorised and/or supervised and/or promoted and/or recognised by C.S.A.In. – CORPORATE AND INDUSTRIAL SPORTS CENTRES, including participation in events with other organisations to which C.S.A.In. – CORPORATE AND INDUSTRIAL SPORTS CENTRES has officially adhered or with which it collaborates.

CSAIn Membership Cards:

Basic Card
Plus Card
Cycling Basic Card
Cycling Standard Card
Cycling Plus Card
Cycling Elite Card
Third Sector Volunteer Card

Art. 2 Declarations regarding risk circumstances – Changes in risk

Inaccurate statements or omissions by the Policyholder regarding circumstances affecting the risk assessment may result in the total or partial loss of the right to compensation, as well as the termination of the insurance itself (pursuant to Articles 1892, 1893 and 1894 of the Civil Code).

Failure by the Policyholder and/or the Insured to declare an aggravating risk circumstance during the term of the policy does not prejudice the right to compensation, provided that such omissions or inaccurate statements were made in good faith. It is understood that the Policyholder is obliged to pay the Insurer an additional premium proportionate to the increased risk, effective from the moment the aggravating circumstance occurred.

It is also understood that in the event of a reduction of risk, the Company is obliged to reduce the premium or subsequent instalments following notification by the Policyholder, pursuant to Article 1897 of the Civil Code, and waives the right of withdrawal.

Art. 3 Payment of premium and commencement of coverage

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For all membership cards, the insurance relationship and the corresponding coverage for each individual Insured shall be effective from the moment of registration, which coincides with the time of registration/affiliation recorded in the Policyholder’s Registers, and shall expire at 24:00 on the fifteenth day following the expiry of the aforementioned registration. Finally, the coverage applies for the entire duration of the events, even if they end after the contractual expiry date, provided they began before such expiry.

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Art. 4. Premium instalments

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Art. 5. Amendments to the Insurance

Any amendments to the insurance must be evidenced in writing.

Art. 6. Territorial extension

Accident insurance is provided worldwide. TPL insurance is provided worldwide, excluding the USA and Canada, and damages arising from punitive and/or exemplary fines will not be compensated.

Compensation will be paid in Italian currency and, in any case, within Italy.

Art. 7. Reference to legal provisions

For all matters not otherwise regulated herein, the applicable laws in force shall apply.

Art. 8. Other insurance policies

The Insured and/or the Policyholder are exempt from the obligation to notify the Insurer of any other policies taken out for the same risk.

Art. 9 Interpretation of the Contract

In case of any doubts regarding the interpretation of contractual clauses, they shall be interpreted in favour of the Insured.

Art. 10 Procedures for claim notification

The Insured’s claim must be submitted to the designated Marsh office.

The claim must be submitted using the methods provided, within 45 days of the event or from the moment the Insured or the entitled parties had the possibility to do so, notwithstanding the provisions of Articles 1913 and 1915 of the Civil Code.

Marsh will provide the Policyholder with the information necessary from time to time to monitor this Agreement.

Art. 11 Jurisdiction

For any dispute relating to this contract, the competent court shall be that of the residence and/or domicile of the Insured or the Policyholder.

SECTION I – THIRD-PARTY LIABILITY (TPL) / EMPLOYEE LIABILITY (EL)

SECTION – THIRD-PARTY LIABILITY (TPL)

Art. 1 Subject of the insurance

The Company undertakes to indemnify the Policyholder, its managers, its facilities, its territorial bodies, affiliated collective members (Associations, Sports Clubs, Circles, etc.), and the registered members, for capital, interest, and expenses for damages involuntarily caused to third parties for death, personal injury, or property damage, as a result of an accidental event occurring in relation to the risks for which the Insurance is stipulated.

The Insurance also covers the civil liability that may arise for the insured parties due to intentional acts committed by persons for whom they are responsible.

Art. 2 Risk description

The insurance is intended to cover risks arising from the performance of the various activities carried out by C.S.A.In. – CORPORATE AND INDUSTRIAL SPORTS CENTRES, its Central and Territorial Bodies, affiliated and aggregated Societies/Associations, and its Members, in relation to the sport practiced at an amateur and/or recreational level, as well as recreational, playful, cultural, and educational activities.

The insured activity is exemplified below but is not exhaustive, as this policy is valid for all cases in which liability may be claimed, including as organiser, commissioner, or otherwise, on behalf of the Insured, subject to the exclusions expressly mentioned in the following Art. 7 “Risks excluded from the insurance”.

Insured activities:

By way of example and not limited to:

promotion, organisation, participation, and management of sports activities, conducted both practically (Trials, Training, Championships, Tournaments, Events in general) and in educational and promotional form (courses, training camps, conferences, advertising initiatives, etc.). Included are car and motorbike races, trials, and gatherings, excluding road traffic damages;
amateur sports activities, including competitive, para-Olympic, recreational, hiking, environmental, recreational, cultural, educational, social promotion, and civic promotion activities, as well as any other activity aimed at achieving statutory purposes, except for the exclusions mentioned in the following Art. 7 “Risks excluded from the insurance”;
participation in tournaments, events in general, as well as social parties and dinners;
ownership, operation, management, and maintenance of sports facilities and premises, provided that the incident occurred during the performance of the insured activity under this policy;
use of machinery and equipment relevant to the activity described in the policy;
management of premises, cleaning and security services, as well as supply and/or removal of goods and/or assets;
activities necessary for sports, recreational, and/or cultural purposes;
operation of bars, refreshment areas, and vending machines for food and beverages, including the sale of food in general;
ownership and/or custody and/or use of animals in general within the scope of the described risk;
first aid and medical care service, provided by qualified personnel;
recreational, playful, cultural, and educational activities: parties, dinners, meetings, conferences, various games, all organised and carried out within the premises, facilities, and/or designated locations;
included are social trips and excursions, excluding those involving scuba diving with breathing apparatus. Furthermore, coverage includes the civil liability of the Insured:
for acts committed by persons not employed by the Insured but tasked with supervising, controlling, assisting, organising, and overseeing the sports activities indicated in the policy, such as coaches, referees, instructors, teachers, physiotherapists, doctors, all technical staff, managers, escorts, activity and service managers, and all administrative and managerial staff;
from the supply and/or rental of equipment and/or materials necessary for the performance of the sports activity.

Art. 3 Policy Limits

The insurance is provided up to the limits indicated in the “Policy Limits” Section. It is specified that for the sport activity “Equestrianism,” damages to animals and riders are covered only in cases of death and serious or very serious personal injuries as defined in Art. 583 of the Criminal Code.

Art. 4 Insured Parties

The insurance applies to:

C.S.A.In. – CORPORATE AND INDUSTRIAL SPORTS CENTRES, including its Central, Peripheral, and Territorial Bodies;
Associations/Clubs affiliated to C.S.A.In. – CORPORATE AND INDUSTRIAL SPORTS CENTRES;

and to the Members of C.S.A.In. – CORPORATE AND INDUSTRIAL SPORTS CENTRES.

Art. 5 Definition of Third Parties

The following are considered third parties to each other:

registered members; however, it is specified that for cycling activities in general, members are not considered third parties to each other with regard to property damage;

the spouse, parents, and children of the Insured, as well as any relative or in-law living with them, only if the damage occurred during the actual performance of the activities covered by the insurance in which both the injurer and injured participated simultaneously.

Art. 6 Management of Claims – Defence Costs

The Company undertakes, as long as it has an interest, to manage claims, both out of court and in court, civil and criminal, on behalf of the Insured, appointing lawyers and experts where necessary and exercising all rights and actions available to the Insured.

The Company bears the costs incurred to defend the Insured, up to a limit equal to one-fourth of the policy limit established for the damage to which the claim relates.

If the amount due to the injured party exceeds this limit, costs are divided between the Company and the Insured in proportion to their respective interests.

The Company does not cover expenses incurred by the Insured for lawyers or experts not appointed by the Company, nor does it cover fines or penalties and criminal justice expenses.

The Company undertakes to provide prompt copies of procedural documents and all information regarding the progress of legal proceedings.

It is specified that the defence of the Insured is assumed by the Company both in civil and criminal proceedings until the final settlement of third parties and exhaustion of the current level of judgment at the time of the claim settlement.

Art. 7 Risks Excluded from the Insurance

TPL insurance does not cover damages:

arising from the circulation on public roads or areas equivalent thereto of motor vehicles, as well as from the navigation of motorboats or the use of aircraft;
arising from the use of motor vehicles, machinery, or plants operated or driven by a person not authorised according to current regulations and/or who has not reached the age of 16;
resulting from air, water, or soil pollution, except as otherwise provided in the policy; from interruption, depletion, or diversion of springs and watercourses, alteration or depletion of aquifers, mineral deposits, or generally anything found in the subsoil susceptible to exploitation;
arising from theft;
to property belonging to others resulting from fire of the Insured’s property or property held by them, except as otherwise provided in the policy;
to property held by the Insured or their employees for any reason, including property lifted, loaded, unloaded, or moved, except as otherwise provided in the policy;
to property under construction, to property upon or with which works are carried out, as well as damages to buildings and/or property in general caused by collapse, landslides, or ground vibrations;
caused by works or installations in general after completion of the works, or, in the case of repair, maintenance, or installation operations, those not occurring during the execution of the works, as well as damages caused by products and property in general after delivery to third parties;
occurring in connection with energy transformations or adjustments of the atom, natural or artificially induced (nuclear fission and fusion, radioactive isotopes, particle accelerators, etc.);
arising from possession and/or use of explosives of any nature, however caused, directly or indirectly, even partially, from exposure to or contact with asbestos or any substance containing asbestos;
resulting from liability arising from electromagnetic fields;
arising from strikes, riots, civil commotion, acts of vandalism, terrorism, and sabotage;

arising from aerial sports in general, parachuting, professional boxing, mountaineering with access to glaciers and snowfields in free climbing, ski and water ski jumps, bobsleigh, luge (skeleton), downhill, professional practice of any sport, and participation in extreme or exceptional sporting ventures (e.g., extreme skiing).

Art. 8 Deductible

Regarding:

- Clubs/Associations/Societies
- Plus Members
- Cycling Basic Members
- Cycling Standard Members
- Cycling Plus Members
- Cycling Elite Members
- Third Sector Volunteer Members

the TPL insurance is provided with a deductible of €500.00 for each claim involving property damage. Regarding:

Basic Members

the TPL insurance is provided with a deductible of €1,000.00 for each claim involving property damage.

Any other deductibles and/or excesses specified in the policy for specific coverages remain in effect.

The Parties agree that settlement of claims to third-party victims will be made net of the deductibles specified in the policy.

Art. 9 Additional Extensions

It is also agreed that the following risks and/or activities are included under the coverage:

advertising services through signs, posters, and banners;
ownership and maintenance of tents, signs, advertising boards, fixed or movable display windows, and banners, wherever installed;
organisation or participation in recreational activities, conferences, congresses, excursions, exhibitions, fairs, shows, markets, including set-up and dismantling of stands;
canteen, bar, and restaurant services, including the provision of food and beverages;
ownership and management of vending machines for food and beverages, use of third-party vending machines, and any damages caused by the food and beverages distributed;
design, assembly, testing, maintenance, repair, and installation of the Insured’s facilities;
security services, including armed guards and dogs, even outside the premises;
ownership and use of bicycles and pedal-powered cargo bikes;
loading, unloading, collection, supply, and delivery of materials, goods, products, equipment, and/or machinery.

SECTION – EMPLOYERS’ LIABILITY (RCO)

Art. 10 Insured Parties

The coverage under this section applies to the Policyholder, the Central and Peripheral Committees, and the affiliated and associated Sports Clubs when performing activities organised by C.S.A.In., in the name of C.S.A.In..

Art. 11 Object of the Insurance – Civil Liability towards Insured Employees

I.N.A.I.L. (RCO)

The Company is liable for the amounts the Insured is required to pay, as compensation (capital, interest, and costs), as civilly responsible towards the Insured’s employees, including subordinate, quasi-subordinate, and managerial staff, whether they are:

not covered by compulsory work accident insurance,
insured pursuant to D.P.R. 30 June 1965 no. 1124 and Legislative Decree 23/02/2000 no. 38 et seq., for accidents suffered (excluding occupational diseases).

Regarding the “Biological Damage” component, the insurance is provided with a deductible of €2,582.28 per injured person.

The validity of the insurance is conditional upon the Insured being compliant with statutory insurance obligations at the time of the claim. Failure to insure personnel with INAIL, if due to incorrect or mistaken interpretation of current laws, or inadvertent omission of prior notification of new INAIL positions, does not constitute grounds for loss of coverage.

RCO insurance also covers recourse actions by INPS and/or INAIL pursuant to Art. 14 of Law 12 June 1984, no. 222.

The RCO insurance is provided up to the limits indicated in the “Policy Limits” Section.

Art. 12 Extension to Occupational Diseases

As a partial derogation of the General and Specific Conditions of Insurance, Employers’ Liability (RCO) coverage is extended to the risk of occupational diseases (excluding asbestosis and silicosis) strictly listed in the annexed tables to D.P.R. 30 June 1965 no. 1124 or contemplated by D.P.R. 9 June 1975 no. 482 and subsequent amendments, integrations, interpretations in force at the time of the claim, as well as diseases recognised as occupational by the judiciary.

This extension is valid provided the diseases manifest after the date of this policy and result from negligent acts committed by the Insured or persons for whom they are responsible, occurring during the insurance period.

The extension does not apply to diseases manifesting more than 12 months after the policy termination or the end of the employment relationship.

Subject to compatibility with the General Conditions regarding claims notification, the Insured must promptly notify the Company of any occupational disease falling within the coverage and provide, as quickly as possible, all relevant information, documents, and acts concerning the reported case.

Art. 32 Exclusions

This coverage does not include damages solely arising from:

possession or use of explosives;
events related to atomic transformations or energy adjustments, natural or artificially induced (nuclear fission and fusion, radioactive isotopes, particle accelerators, etc.);
of any nature arising from asbestos or any substance containing asbestos in any form or quantity, nor for damages from electromagnetic fields;
occurring during acts of war (declared or undeclared), civil war, insurrection, popular uprisings, riots, military occupation, and invasion;
directly or indirectly caused by, resulting from, or occurring during acts of terrorism, regardless of any other event that may have contributed to the damage;
caused by, resulting from, or occurring during any action taken to control, prevent, or suppress any act of terrorism.

Art. 33 Claims Notification and Insured Obligations

The Policyholder and its structures must notify the Company only of accidents that result in a judicial investigation, in accordance with applicable laws.

Furthermore, if criminal proceedings are initiated in relation to the accident, the Company must be informed as soon as the Policyholder becomes aware.

The Company is entitled to review documents related both to compulsory insurance and the reported accident, in relation to the insurance that gave rise to the civil liability claim.

SECTION II – ACCIDENTS INJURIES/DEATH

Art. 1 Insured Parties

The insurance applies to all members of C.S.A.In. – CENTRI SPORTIVI AZIENDALI E INDUSTRIALI.

Art. 2 Object of Risk and Scope of Coverage

The insurance covers fortuitous, violent, and external events resulting in:

death;
one or more injuries listed in the attached tables;
permanent disability limited only to the risk of flight;

For the purposes of this coverage, an injury is defined as any alteration of the structure of a body part specifically listed in the attached table. The coverage, within the terms and limits specified, applies to risks occurring during activities carried out within C.S.A.In., its Central and Peripheral Bodies, affiliated Clubs/Associations/Societies, or in relation to its organs, including official competitions and events organised under the Policyholder’s aegis. Coverage also applies, as an example but not limited to, during:

competitions and training sessions (including individual training), during essential preparatory and concluding actions of each competition or training, during competitions and/or authorised or organised sporting events under the aegis of the Policyholder;
sports, recreational, cultural, educational, social activities promoted, authorised, recognised, or organised under the Policyholder’s aegis;
organisational meetings, assemblies, Council meetings at national, regional, or provincial level;
missions and assignments during the exercise of sporting duties or other activities within the Policyholder’s objectives. Coverage also applies when the Insured, as a passenger of public or private transport or as a driver of a private vehicle, suffers an accident during:
1. commuting to and from the location of the insured activities, using the shortest and most direct route without interruption or stop for reasons unrelated to the insured activity;
2. travel for off-site assignments, taking the necessary time to reach the location of the insured activities and return;
3. the commuting risk applies only if the vehicle is driven by a properly licensed and authorised person. Accidents occurring due to violations or non-compliance with applicable transportation rules are excluded.
Coverage will apply provided it is documented, if necessary, by:
- affiliated Clubs/Associations/Societies;
- its Committees and/or competent Peripheral/Territorial structures of the Policyholder;
- C.S.A.In. – CENTRI SPORTIVI AZIENDALI E INDUSTRIALI;

Art. 3 Extended Coverage

Coverage also extends to accidents:

caused by incompetence, recklessness, or negligence, even if severe, as well as illness or unconsciousness (provided not caused by alcohol abuse, non-therapeutic use of psychotropic drugs, hallucinogens, or narcotics);
caused by animal bites including arachnids and insects, infections following an accident, poisoning, ingestion or involuntary absorption of substances, drowning, freezing, suffocation, frostbite, electrocution, sunstroke or heatstroke, traumatic muscular strain;
resulting from natural events, riots, terrorism, assaults or violence, provided the Insured did not take an active part.

“Special injuries” listed in the subsequent injury table are also considered injuries for the purposes of the policy.

Art. 4 Exclusions

The insurance does not cover events arising from:

use or operation of motorboats or underwater vehicles;
abuse of alcohol or psychotropic drugs, or non-therapeutic use of narcotics, psychotropic, or hallucinogenic substances;
use of doping substances in violation of state or sporting regulations, as verified under current rules;
events caused by criminal acts committed by the Insured, participation in brawls or riots, or violation of prohibitions under state or sporting regulations;
use or operation, even as a passenger, of aerial vehicles unless expressly provided;
earthquakes, floods, and volcanic eruptions;
war and insurrection, except for the first 14 days if the Insured is caught abroad by the outbreak of hostilities in a previously peaceful country;
atomic nucleus transmutation and artificially induced radiation from particle accelerators or ionising radiation exposure;
possession or use of explosives;
surgical operations, treatments, and medical care not required due to an accident;
intentional acts committed or attempted by the Insured;
heart attack and stroke caused by cerebral haemorrhage, cerebral thrombosis, embolism, or aneurysm rupture;
resulting from aerial sports in general, parachuting, professional boxing, mountaineering on glaciers or snowfields, ski and water-ski jumps, bobsleigh, skeleton, downhill, professional practice of sports in general, or participation in extraordinary endeavours (e.g., extreme skiing).

Art. 5 Exemption from Reporting Pre-existing Conditions

The Policyholder and/or Insured are not required to report illnesses, physical defects, or mutilations present at the time of policy inception or arising thereafter. If an accident affects a person who is not physically healthy, damages attributable to pre-existing conditions are not indemnifiable; only consequences that would have occurred to a physically healthy person are covered.

Art. 6 Exemption from Reporting Other Insurances

The Policyholder and/or Insured are exempt from the obligation to report other policies taken out with other Companies for the same risks. The insurance coverage provided in this policy supplements any other insurance coverage for death, injuries, or permanent disability, except for medical expenses reimbursement, which will be provided only as a supplement to existing coverage.

Art. 7 Waiver of Recourse

The Insurer waives, in favour of the Insured and their beneficiaries, the right of subrogation under Art. 1916 of the Italian Civil Code against third parties responsible for the accident.

Art. 8 Age Limits

Coverage is provided without any age limits.

Art. 9 Criteria for Indemnifiability

The Company pays compensation for the direct, exclusive, and objectively verifiable consequences of the accident, which are independent of any pre-existing physical or pathological conditions; therefore, any influence the accident may have on such conditions, as well as any disadvantage these conditions may contribute to the outcome of injuries caused by the accident, are considered indirect consequences and are not indemnifiable.

Art. 10 Flight Risk

Accident/Death coverage is extended to events indemnifiable under this contract occurring while the Insured is travelling by air to participate in activities organised by CSAIn, as a passenger, on aircraft or helicopters operated by any party except for air transport companies for flights other than public passenger transport and aeroclubs.

Coverage applies from the moment the Insured boards the aircraft until disembarkation.

The total sums insured for the above-mentioned aeronautical events under this policy or other policies taken out by the same Insured or CSAIn are:

Per Person:

Death: € 1,000,000
Injuries: € 1,000,000

Per Aircraft:

Death: € 5,000,000
Injuries: € 5,000,000

If the total insured sums exceed the amounts indicated above, compensation payable in the event of a claim will be proportionally reduced across the individual policies.

Art. 11 Benefits

Death

Compensation for death is payable if death occurs – even after the expiry of the policy – within two years from the date of the accident.

This compensation is paid to the designated beneficiaries or, if none are designated, to the Insured’s heirs in equal parts. Death compensation is not cumulative with that provided for injuries or permanent disability under the flight risk coverage, if applicable. However, if, after payment for injuries or permanent disability, but within two years from the date of the accident and as a consequence of it, the Insured dies, the heirs are not required to reimburse, while beneficiaries are entitled only to the difference between the Death benefit – if higher – and the amount already paid.

Injuries

The Company pays compensation according to the schedule of injuries attached, taking into account the provisions in SECTION III – SUMS INSURED, for the different membership types.

In cases of pre-existing mutilations, impairments, or physical defects, compensation for injuries is paid only for direct consequences caused by the event.

Clarifications:

A “fracture” is defined as a partial or complete break in a bone caused by a violent, accidental, and external event.
Pathological fractures, spontaneous fractures, and cartilage detachment of any kind are excluded.
Fractures and fissures are considered equivalent for indemnity purposes.
Fractures affecting both epiphysis and diaphysis are compensated for a single segment (the one most favourable to the Insured).
Multifocal or comminuted fractures of the same bone segment do not result in duplication or increase of the indicated compensation.
“Displaced” fractures are subject to a 20% increase of the indemnity for the corresponding injury; “open” fractures a 50% increase, except for specifically tabulated forearm and lower limb bicortical fractures. Increases are not cumulative.
Amputations refer only to complete anatomical losses; any other functional-anatomical impairment not meeting this criterion is not considered for compensation.
Dislocation is defined as the complete loss of normal alignment of joint bones due to a violent, accidental, and external cause.
If the injury causes tetraplegia or paraplegia within 60 days, the indemnity is twenty times the amount indicated in the reference table.
For ligament injuries, indemnity under the policy is payable only following surgery within six months of the event. This period may be extended by 18 months if medical documentation demonstrates that surgery was postponed due to growth/development or reasons beyond the Insured’s control.
Dental fractures refer to the loss of at least one-third of hard tooth tissue (excluding periodontal or soft teeth injuries); radiographic documentation is required.
For post-traumatic coma occurring within 15 days of the event, the Insured is entitled to double the injury amount indicated in the schedule for “Fracture of frontal, occipital, parietal, or temporal bones or fracture lines involving these bones”. In cranial fractures, indemnity due to post-traumatic coma is cumulative with fractures listed in the schedule. Payment requires a certified copy of the medical record.
Burns refer to contact with solid objects or flames, or burns from external contact with liquids (excluding vapours or overheated gases), of at least second degree with blister formation, requiring at least one overnight hospital stay, documented photographically.

Burns occurring as a consequence of another injury listed in the schedule are subject to a 30% increase on the sum indicated for the injury, even if no hospital stay occurs.

Deductible

Deductibles for Injury coverage are activity-specific. If the percentage indicated in the Injury Schedule (Attachment A) is equal to or less than the deductible for the specific sport, no indemnity is payable; for percentages exceeding the deductible, indemnity is paid only on the amount exceeding the deductible.

Activity

Deductible

Water Aerobics

Ancient Weapons

Indoor Sport Climbing

Traditional Martial Arts

Track and Field

Recreational, Cultural, Social, Educational, and Social Promotion Activities

Diving Activities with Instructor

Billiards/Table Football

Bowls

Bowling

Football

Canoeing/Kayak/Rafting

Cibe Race/Spinning/Pedal Machines/Handbike/Bike Polo

School Recreational Cycling

Cycling/Touring/Mountain Biking (excluding downhill)

Dog Training

Classical and Modern Dance/Dancing

Horse Riding

E-Sports and/or Electronic Games

Flag Football

Darts

Artistic, Aerobic, Rhythmic Gymnastics/Hip Hop/Step Total Body Power/Fitness

Golf

Ice Hockey

Kick Boxing/Fitbox

Kitesurf/Kiteboarding/Windsurfing

Model Making (Dynamic and Static)

Motor Touring/Quad/Kart School

Swimming/Water Polo

Basketball

Handball

Volleyball

Ice Skating

Skating/Roller/Skiroll/Skateboarding

Modern Pentathlon

Sport Fishing

Chess/Checkers

Fencing

Snowboarding/Skiing/Trampoline School Jumps

Airsoft

Paralympic Sports and Disability Activities

Squash

Surfing

Taekwondo/Hapkido/Kiokushink/Krav Maga/Pankration

Tennis/Padel

Archery

Dynamic Shooting and Target Shooting (Amateur Only)

Diving

Sailing

Guided Cave Tours, Hiking, Nature, Torrenting, Trekking, Orienteering

For disciplines not listed and not included among the exclusions, a deductible of 7% applies.

Reimbursement of Hospital Treatment Expenses

In the event of an accident indemnifiable under the policy that requires hospitalisation, the Company shall reimburse the Insured, up to the limit specified in SECTION III – SUMS INSURED per insurance year and upon presentation of relevant documentation, for medical or surgical expenses incurred during the hospitalisation period, particularly for:

fees of doctors and surgeons, assistants, anaesthetists, operating theatre fees, and surgical materials;
diagnostic tests and treatments;
hospitalisation fees.

Reimbursements are made upon completion of treatment with application of a fixed deductible as specified in SECTION III – SUMS INSURED per claim; for Day Hospital admissions, a fixed deductible of €1,000.00 applies.

The claim for reimbursement, accompanied by supporting documents and medical certification (including any medical records), must be submitted to the Company within 30 days after the end of the medical treatment, under penalty of forfeiture.

If the Insured has submitted the original invoices, receipts, and statements to third parties for reimbursement, the Company shall make payment under this coverage upon presentation of copies of documentation showing expenses actually incurred, net of amounts reimbursed by such third parties.

For expenses incurred abroad, reimbursements will be made in Italy at the average exchange rate for the week in which the expense was incurred, based on the rates published by the Italian exchange office.

Unless otherwise regulated herein, general provisions and those governing accident insurance shall apply.

Reimbursement of Medical Expenses

In the event of an accident indemnifiable under the Policy, the Company shall reimburse the Insured (if the card provides coverage), up to the limit specified in SECTION III – SUMS INSURED per insurance year and upon presentation of relevant documentation, for medical expenses incurred.

Reimbursements are made upon completion of treatment with application of a fixed deductible as specified in SECTION III – SUMS INSURED per claim.

Within these limits, expenses for transport of the Insured to a hospital or clinic and return home are included.

Reimbursement will be made by the Company after clinical recovery, upon presentation of original, duly receipted supporting documents (medical invoices, hospital or clinic bills, etc.) and a medical certificate of recovery.

Upon request, the Company will return the originals, with the payment date stamped.

The claim, accompanied by supporting documents and medical certification (including medical records), must be submitted to the Company within 30 days after the end of the medical treatment.

Unless otherwise regulated herein, general provisions and those governing accident insurance shall apply.

Daily Allowance for Hospitalisation due to Accident

In case of hospitalisation in a healthcare facility following an accident indemnifiable under the policy, with or without surgical intervention, the Company undertakes to pay the Insured (if the card provides coverage) a daily allowance within the limits specified in SECTION III – SUMS INSURED.

For Day Hospital admissions following an indemnifiable accident, the Company undertakes to pay the Insured a daily allowance within the limits specified in SECTION III – SUMS INSURED.

Payment will be made to the Insured or their heirs only after completion of treatment, upon presentation of appropriate medical documentation issued by the healthcare facility.

Daily Allowance for Cast

If, following an indemnifiable accident, the application of a cast or immobilising device is required in a healthcare facility, the Company undertakes to pay the Insured (if the card provides coverage) a daily allowance within the limits specified in SECTION III – SUMS INSURED. This allowance is not cumulative with the hospitalisation daily allowance. The cast and its duration must be certified by appropriate medical documentation.

Purchase/Rental of Rigid Support following Fracture or Bone Infraction

If, following an indemnifiable accident resulting in fractures or bone infractions certified by appropriate medical documentation, the Company shall reimburse the Insured (if the card provides coverage) for the cost of purchase or rental of a rigid support, within the limits specified in SECTION III – SUMS INSURED.

Daily Allowance for Hospitalisation due to Illness

In case of hospitalisation in a healthcare facility due to illness — defined as any alteration of health not caused by accident, exclusively following acute onset, excluding pre-existing pathological conditions, even if revealed later — with or without surgical intervention, the Company undertakes to pay the Insured (if the card provides coverage) a daily allowance within the limits specified in SECTION III – SUMS INSURED.

Payment will be made to the Insured or their heirs only after completion of treatment, upon presentation of appropriate medical documentation issued by the healthcare facility.

Reimbursement of Air Ambulance Expenses

This coverage includes reimbursement of expenses incurred by the Insured (if the card provides coverage) due to accident/illness requiring air ambulance transport from the accident/illness site to the nearest healthcare facility. Reimbursement is limited to SECTION III – SUMS INSURED. Rescue must be necessary to safeguard the immediate physical integrity of the Insured.

Reimbursement will be made in EURO, upon submission of appropriate documentation (invoice, receipt) by the Insured or their beneficiaries.

Repatriation of Remains

In the event of the Insured’s death following an accident occurring abroad, the Company shall reimburse expenses up to €5,000 for transporting the remains from the place of accident to the burial site in Italy.

Medical Repatriation

The coverage extends to reimbursement of expenses incurred by the Insured for transport to a suitably equipped hospital in Italy or to their residence following an accident abroad. Coverage is provided up to €5,000.

Art. 12 Special Extensions

Special Benefit in Case of Death of the Insured’s Parent

If a covered event under this policy results in the death of an Insured parent, the death benefit payable to minor children who are cohabiting and beneficiaries will be increased by 50%. Adult children with permanent disabilities of 50% or more are considered equivalent to minor children.

Loss of Academic Year

If an accident results in injuries preventing attendance of lessons for a period that, according to current ministerial regulations, leads to the loss of the academic year, the Insured shall receive an increased indemnity of 20%.

Aesthetic Damage

The Company shall reimburse documented expenses for reconstructive plastic or dental surgery required due to an accident indemnifiable under the policy. This extension applies exclusively to Insured under 14 years of age.

Art. 13 Disputes Regarding the Nature of Accidents

In case of dispute regarding the nature, cause, extent, and consequences of indemnifiable injuries, as well as the application of indemnity criteria, the Parties must grant written mandate to a Board of three doctors, one appointed by each Party and the third by mutual agreement.

If agreement on the third arbitrator is not reached, they shall be chosen from specialists in Insurance Legal Medicine by the President of the Medical Association having jurisdiction where the Board will convene.

The medical Board, at the choice of the Insured, shall reside in the municipality of the nearest Legal Medicine Institute to the Insured’s residence or domicile.

Each Party shall bear its own expenses and pay the doctor it appoints, contributing half of the fees and costs of the third doctor. The Medical Board may, if deemed appropriate, defer the final assessment of permanent disability to a date determined by the Board, in which case a provisional indemnity may be granted in the meantime.

Decisions of the Medical Board are made by majority vote, without formalities required by law, and are binding on the Parties, who hereby waive any appeal except in cases of violence, fraud, error, or breach of contractual terms.

The results of the arbitration proceedings must be recorded in a specific report, prepared in duplicate, one for each Party.

Decisions of the Medical Board are binding even if one of the doctors refuses to sign the report; such refusal must be noted by the other arbitrators in the final report.

Art. 14 Reporting of Accidents and Related Obligations

Reporting of Injuries and/or Accidents

The reporting of accidents and/or injuries listed in the attached tables, indicating the place, date, and time of the event and its causes, accompanied by all clinical documentation necessary to verify the injuries and their indemnifiability, must be submitted in writing to the Insurer within 45 days of the event or from the moment the Insured or beneficiaries had the opportunity, notwithstanding Articles 1913 and 1915 of the Civil Code. The documentation must unequivocally identify the injured person and be accompanied by the relevant report; in case of fractures and/or particular injuries, the radiological report must clearly and specifically state the diagnosis and be issued by a Public Emergency Department and/or an equivalent Private Facility (clinic, nursing home, etc.).

In the case of injuries only, upon receipt of the necessary documentation, the Insurer, after determining the indemnity due, shall proceed with payment within 30 days. For accidents entailing indemnities for injuries, daily allowance, or medical expense reimbursement, the Insured must submit all necessary documentation to the Insurer upon clinical recovery. The Insurer, upon receipt of such documentation, shall determine the indemnity and proceed with payment within 30 days.

Indemnities shall be paid in Italy, in Euro.

Reporting of Death

The report of death, indicating the place, date, and time of the event and its causes, accompanied by documentation to verify indemnifiability, must be submitted in writing within 30 days of the event or from the moment the Policyholder or beneficiaries had the opportunity, notwithstanding Articles 1913 and 1915 of the Civil Code.

Art. 15 Limit of Indemnity per Single Event

In the case of a single event involving multiple insured persons under this policy, the total sums of coverage under this Accident section shall not exceed €5,000,000.

If the total insured amounts exceed the above limits, the indemnities payable to each insured in the event of a claim shall be reduced proportionally to the insured capitals for the individual persons.

CONDITIONS APPLICABLE TO COMPETITIONS OR EVENTS

Art. 16 – Participants Not Registered for Competitions or Events

…omitted…

SECTION III – SUMS INSURED

Maximum Limits and Deductibles for Third Party Liability (RCT) and Employer’s Liability (RCO)

RCT Policyholder and Clubs/Associations

per claim €5,000,000.00

limit per person €2,500,000.00

limit for damage to property and animals €1,000,000.00

A deductible of €500.00 per claim applies for damage to property.

RCO Policyholder and Clubs/Associations

per claim €1,000,000.00

with a limit of €500,000.00 per injured person

A deductible of €500.00 per claim applies for damage to property.

RCT Registered Members Basic

per claim €400,000.00

limit per injured person €300,000.00

limit for damage to property, even if belonging to multiple persons €300,000.00

A deductible of €1,000.00 per claim applies for damage to property, unless higher deductibles are provided in the policy or insurance conditions governing specific coverages.

RCT Registered Members Plus

per claim €1,000,000.00

limit per injured person €800,000.00

limit for damage to property, even if belonging to multiple persons €800,000.00

A deductible of €500.00 per claim applies for damage to property, unless higher deductibles are provided in the policy or insurance conditions governing specific coverages.

For Instructors, the insured maximum per claim is €2,000,000.00, with a limit of €1,000,000.00 per injured person and €800,000.00 for damage to property, even if belonging to multiple persons. A deductible of €500.00 per claim applies for damage to property.

RCT Cycling Members Basic

per claim €1,500,000.00

A deductible of €500.00 per claim applies.

RCT Cycling Members Standard

per claim €2,000,000.00

A deductible of €500.00 per claim applies.

RCT Cycling Members Plus

per claim €2,500,000.00

A deductible of €500.00 per claim applies.

RCT Cycling Members Elite

per claim €3,000,000.00

A deductible of €500.00 per claim applies.

Volunteers of Third Sector

per claim €1,000,000.00

limit per injured person €800,000.00

limit for damage to property, even if belonging to multiple persons €800,000.00

A deductible of €500.00 per claim applies for damage to property, unless higher deductibles are provided in the policy or insurance conditions governing specific coverages.

Insured Capitals for Accident Coverage

Basic Members

Death	€80,000.00
Permanent Disability	Attached Injury Table (percentages applied to €80,000.00)
Permanent Disability Deductible	According to sport activity, see Art. 11 “Benefits”

Plus Members

Death	€80,000.00
Permanent Disability	Attached Injury Table (percentages applied to €80,000.00)
Permanent Disability Deductible	According to sport activity, see Art. 11 “Benefits”
Medical Expense Reimbursement	€500.00 – 20% excess with a minimum of €150.00
Daily Allowance for Hospitalisation due to Accident	€30.00/day – max 45 days per event – deductible 5 days
Daily Allowance for Cast	€12.00/day – max 45 days per event
Purchase/Rental of Rigid Support	€600.00 – 20% excess with a minimum of €50.00

Attached Injury Table (percentages applied to the capital of €150,000.00)

Permanent Disability Deductible

Hospital Treatment Expense Reimbursement

€10,000.00 – deductible €250.00

Medical Expense Reimbursement

€800.00 – deductible €250.00

Daily Allowance for Hospitalisation due to Accident

€60.00 – max 360 days per event – deductible 4 days

Daily Allowance for Cast

€30.00 – max 30 days per event

Day Hospital due to Accident

€30.00

Air Ambulance

€1,500.00

Third Sector Volunteers

Death	€80,000.00
Permanent Disability	Attached Injury Table (percentages applied to the capital of €80,000.00)
Permanent Disability Deductible	5%
Medical Expense Reimbursement	€500.00 – 20% excess with a minimum of €150.00

Daily Allowance for Hospitalisation	€30.00/day – max 45 days per event – deductible 5 days
Daily Allowance for Cast	€12.00/day – max 45 days per event
Purchase/Rental of Rigid Support	€600.00 – 20% excess with a minimum of €50.00
Daily Allowance for Illness-Related Hospitalisation	€25.00/day – deductible 3 days. Illness refers to any alteration of health not caused by an accident, exclusively due to acute onset, excluding pre-existing pathological conditions even if manifested later suddenly. In addition to the above, the following technical provisions apply: Maximum limit of days: 60 days for all illnesses, with a sub-limit of 15 days for Covid-19; The event causing the illness must be related to the covered activity (suffered or contracted during service and due to service) and must occur within the validity of the membership card. The onset of illness, even if related to an event during the card’s validity, cannot occur more than 14 days after the card’s expiration date.

ANNEX A: INJURY TABLE

TYPE OF INJURY	PERCENTAGE
SKELETAL INJURIES
SKULL
FRACTURE OF FRONTAL, OCCIPITAL, PARIETAL OR TEMPORAL BONE OR FRACTURE LINES INVOLVING THESE BONES	7.00%
SPHENOID FRACTURE	5.00%
FRACTURE OF ZYGOMATIC, MAXILLARY OR PALATINE BONE OR FRACTURE LINES INVOLVING THESE BONES	3.00%
LEFORT I FRACTURE (DETACHMENT OF UPPER DENTAL ARCH FROM MAXILLA)	4.00%
LEFORT II OR III FRACTURE (NOT CUMULATIVE WITH LEFORT I)	7.00%
ETHMOID FRACTURE	3.00%
FRACTURE OF LACRIMAL, VOMER OR JAWBONE (NOT CUMULATIVE)	2.00%
NASAL BONE FRACTURE	2.50%
MANDIBLE FRACTURE (PER SIDE)	4.00%
TYMPANIC MEMBRANE LACERATION FROM BAROTRAUMA	5.00%
CONCUSSIVE CRANIAL TRAUMA WITH CONTUSIVE FOCI IN THE BRAIN	8.00%
SPINAL COLUMN
CERVICAL SECTION
FRACTURE OF VERTEBRAL BODY III-IV-V-VI-VII (PER VERTEBRA)	6.00%
FRACTURE OF SPINOUS PROCESS OR TRANSVERSE PROCESSES III-IV-V-VI-VII (PER VERTEBRA)	2.00%
FRACTURE OF VERTEBRAL BODY OR TRANSVERSE/SPINOUS PROCESS II VERTEBRA	8.00%
FRACTURE OF ANTERIOR OR POSTERIOR ARCH OR LATERAL MASSES (TRANSVERSE OR ARTICULAR PROCESSES) I VERTEBRA – DORSAL SECTION	10.00%
FRACTURE OF VERTEBRAL BODY I-XI (PER VERTEBRA)	4.00%
FRACTURE OF VERTEBRAL BODY XII	8.00%
FRACTURE OF SPINOUS OR TRANSVERSE PROCESSES I-XII (PER VERTEBRA)	2.00%
LUMBAR SECTION
VERTEBRAL BODY FRACTURE (PER VERTEBRA)	8.00%
FRACTURE OF SPINOUS OR TRANSVERSE PROCESSES I-V (PER VERTEBRA)	2.00%
SACRUM
FRACTURE OF VERTEBRAL BODIES, BASE, WINGS, ARTICULAR PROCESSES, APEX OR SPINAL CRESTS	4.00%
COCCYX
FRACTURE OF BODY, BASE, HORNS, TRANSVERSE PROCESSES OR APEX	4.00%
PELVIS
FRACTURE OF ILIAC WINGS OR ILIO-ISCHIO-PUBIC BRANCH (ONE SIDE) OR PUBIS	3.00%
ACETABULAR FRACTURE (PER SIDE)	6.00%
THORAX
CLAVICLE FRACTURE (PER SIDE)	4.00%
STERNUM FRACTURE	2.00%
SINGLE COMPOUND RIB FRACTURE	0.50%
SINGLE DISPLACED RIB FRACTURE	1.50%
SCAPULA FRACTURE (PER SIDE)	3.00%
PNEUMOTHORAX FROM BAROTRAUMA	6.00%
PNEUMOPERICARDIUM FROM BAROTRAUMA	10.00%
UPPER LIMB (RIGHT OR LEFT)
ARM
HUMERAL SHAFT FRACTURE	3.00%
PROXIMAL HUMERAL EPIPHYSIS FRACTURE (LIMITED BY SURGICAL NECK)	6.00%
DISTAL HUMERAL EPIPHYSIS FRACTURE (LIMITED BY LINE JOINING TROCHLEA AND CAPITELLUM)	6.00%
FOREARM
RADIAL SHAFT FRACTURE	2.00%
PROXIMAL RADIAL EPIPHYSIS FRACTURE (RADIAL TUBEROSITY OR CAPITELLUM OR NECK OR ARTICULAR CIRCUMFERENCE)	4.00%

DISTAL RADIAL EPIPHYSIS FRACTURE (CARPAL ARTICULAR SURFACE OR STYLOID PROCESS OR ULNAR NOTCH)	4.00%
ULNAR SHAFT FRACTURE	2.00%
PROXIMAL ULNAR EPIPHYSIS FRACTURE (OLECRANON OR CORONOID PROCESS OR SEMILUNAR AND RADIAL NOTCH)	4.00%
DISTAL ULNAR EPIPHYSIS FRACTURE (CAPITELLUM OR ARTICULAR CIRCUMFERENCE OR STYLOID PROCESS)	4.00%
COMPOUND RADIO-ULNAR SHAFT FRACTURE	4.00%
DISPLACED RADIO-ULNAR SHAFT FRACTURE	5.00%
WRIST AND HAND
SCAPHOID FRACTURE	5.00%
LUNATE FRACTURE	3.00%
TRIQUETRUM FRACTURE	2.00%
PISIFORM FRACTURE	1.00%
TRAPEZIUM FRACTURE	2.00%
TRAPEZOID FRACTURE	2.00%
CAPITATE FRACTURE	2.00%
HAMATE FRACTURE	2.00%
FIRST METACARPAL FRACTURE	6.00%
SECOND, THIRD, FOURTH OR FIFTH METACARPAL FRACTURE	3.00%
CARPAL TUNNEL SYNDROME OR DUPUYTREN’S CONTRACTURE (SURGICALLY TREATED)	4.00%
PROXIMAL PHALANX FRACTURE
THUMB	4.00%
INDEX	3.00%
MIDDLE	3.00%
RING	2.00%
LITTLE	3.00%
MIDDLE PHALANX FRACTURE
THUMB	3.00%
INDEX	2.50%
MIDDLE	2.00%
RING	1.00%
LITTLE	2.00%
DISTAL PHALANX FRACTURE
INDEX	2.00%
MIDDLE	1.00%

RING	1.00%
LITTLE	2.00%
LOWER LIMB (RIGHT or LEFT)
FEMUR FRACTURE
SHAFT	6.00%
PROXIMAL EPIPHYSIS (defined by the surgical neck)	10.00%
DISTAL EPIPHYSIS (defined by a line connecting the two epicondyles through the intercondylar and supratrochlear fossae)	10.00%
PATELLA FRACTURE	4.00%
TIBIA FRACTURE
SHAFT	3.00%
UPPER END (intercondylar eminence or superior articular surfaces or condyles or fibular articular surface)	5.00%
LOWER END (medial malleolus or inferior articular surface)	5.00%
FIBULA FRACTURE
SHAFT	2.00%
UPPER END (head or tibial articular surface)	3.00%
LOWER END (lateral malleolus or articular surface)	4.00%
COMPOUND TIBIA AND FIBULA FRACTURE	5.00%
DISPLACED TIBIA AND FIBULA FRACTURE	6.00%
FOOT
TARSUS
TALUS FRACTURE	6.00%
CALCANEUS FRACTURE	7.00%
NAVICULAR FRACTURE	3.00%
CUBOID FRACTURE	4.00%
CUNEIFORM FRACTURE	1.00%
METATARSALS
FIRST METATARSAL FRACTURE	4.00%
SECOND, THIRD, FOURTH OR FIFTH METATARSAL FRACTURE	2.00%
PHALANGES
HALLUX FRACTURE (1st or 2nd phalanx)	2.50%
1st, 2nd, or 3rd PHALANX OF OTHER TOES	1.00%
DENTAL INJURIES
UPPER CENTRAL INCISOR FRACTURE (per tooth)	0.70%
LOWER CENTRAL INCISOR FRACTURE (per tooth)	0.20%
LATERAL INCISOR FRACTURE (per tooth)	0.50%
CANINE FRACTURE (per tooth)	1.00%
FIRST PREMOLAR FRACTURE (per tooth)	0.50%
SECOND PREMOLAR FRACTURE (per tooth)	0.75%
FIRST MOLAR FRACTURE (per tooth)	1.50%
SECOND MOLAR FRACTURE (per tooth)	1.00%
UPPER THIRD MOLAR FRACTURE	0.25%
LOWER THIRD MOLAR FRACTURE	0.50%
SURGICAL REMOVAL OF PART OF CRANIAL VAULT (regardless of size)	8.00%
SPLEEN RUPTURE WITH SPLENECTOMY	10.00%
KIDNEY RUPTURE WITH NEPHRECTOMY	15.00%
POST-HEPATECTOMY (over one-third of parenchyma)	10.00%
EXTENDED GASTRORESECTION (over half) or TOTAL GASTRECTOMY	40.00%
SMALL BOWEL RESECTION (up to 70% with ileocecal valve preserved) -not cumulative-	20.00%
SMALL BOWEL RESECTION (over 70% with ileocecal valve involvement) -not cumulative-	40.00%
PARTIAL COLON RESECTION WITH INTACT RECTUM -not cumulative-	15.00%
TOTAL COLECTOMY -not cumulative-	40.00%
ABDOMINO-PERINEAL AMPUTATION AND UNNATURAL ANUS -not cumulative-	60.00%
CHOLECYSTECTOMY -not cumulative-	5.00%
UNILATERAL SAPHENECTOMY OR HEMORRHOIDECTOMY	4.00%
BILATERAL SAPHENECTOMY (not cumulative)	6.00%
TOXIC OR INFECTIOUS HEPATITIS (with abnormal enzyme and serological tests and elevated bilirubin)	10.00%
SYMPTOMATIC HIV POSITIVE CARRIER	4.00%
SUBTOTAL (over half) OR TOTAL PANCREATECTOMY -not cumulative-	50.00%
CRURAL, HYPOEPIGASTRIC, UMBILICAL OR DIAPHRAGMATIC HERNIA (surgically treated)	3.00%
INGUINAL HERNIA (surgically treated)	5.00%
LUNG LOBECTOMY	15.00%
PNEUMONECTOMY	30.00%
AORTIC PROSTHESIS – THORACIC	20.00%
AORTIC PROSTHESIS – ABDOMINAL	15.00%
ANATOMICAL LOSS OF ONE EYE	35.00%
UNILATERAL BLINDNESS (irreversible loss not less than 9/10 vision)	25.00%
TOTAL LOSS OF VISION IN BOTH EYES	100.00%
COMPLETE UNILATERAL DEAFNESS	12.00%
COMPLETE BILATERAL DEAFNESS	50.00%

LOSS OF NOSE (over two-thirds)	30.00%
CORDECTOMY	15.00%
HEMILARYNGECTOMY	25.00%
LARYNGECTOMY	50.00%
LOSS OF TONGUE (over two-thirds)	70.00%
COMPLETE LOSS OF ONE EAR	8.00%
COMPLETE LOSS OF BOTH EARS	15.00%
DISC HERNIA FROM STRAIN (single or multiple – surgically treated)	8.00%
SUBCUTANEOUS ACHILLES TENDON RUPTURE (surgically treated)	4.00%
HIP PROSTHESIS (not cumulative)	20.00%
KNEE PROSTHESIS (not cumulative)	25.00%
TOTAL PATELLECTOMY	10.00%
PARTIAL PATELLECTOMY	4.00%
ANATOMICAL LOSS OF ONE TESTICLE	5.00%
ANATOMICAL LOSS OF BOTH TESTICLES	25.00%
ANATOMICAL LOSS OF THE PENIS	30.00%
HYSTERECTOMY (not cumulative)	20.00%
BILATERAL HYSTERO-ANNEXECTOMY	30.00%
UNILATERAL OOPHORECTOMY OR SALPINGECTOMY	5.00%
EXTENSIVE BURNS OVER MORE THAN 25% OF BODY SURFACE (photographically documented)	30.00%
PTOSIS OF EYELID	5.00%
COMPLETE EVERSION	45.00%
LOSS OF PENIS	35.00%
INABILITY TO ACHIEVE ERECTION	25.00%
CASTRATION	25.00%
MUSCLE-TENDON LESIONS
ROTATOR CUFF RUPTURE (surgically treated) -not cumulative-	9.00%
DISTAL BICEPS TENDON RUPTURE (surgically treated)	5.00%
PROXIMAL BICEPS TENDON RUPTURE (surgically treated)	7.00%
FINGER TENDON RUPTURE OF ONE HAND (surgically treated) – maximum value per finger	3.00%
QUADRICEPS TENDON RUPTURE (surgically treated) -not cumulative-	6.00%
TEMPORO-MANDIBULAR JOINT DISLOCATION (radiologically documented)	4.00%
RECURRENT GLENO-HUMERAL DISLOCATION (surgically treated)	7.00%
GLENO-HUMERAL DISLOCATION (radiologically documented)	5.00%
STERNOCLAVICULAR DISLOCATION (surgically treated)	3.00%
ACROMIOCLAVICULAR DISLOCATION (surgically treated)	4.00%
ELBOW DISLOCATION (radiologically documented)	6.00%
RADIOCARPAL DISLOCATION (surgically treated) -not cumulative-	5.00%
2ND–5TH METACARPAL OR INTERMEDIATE PHALANGE DISLOCATION OF HAND (radiologically documented) – maximum value per finger	2.50%
THUMB METACARPAL OR INTERMEDIATE PHALANX DISLOCATION (surgically treated)	4.00%
HIP DISLOCATION (radiologically documented)	10.00%
HALLUX METATARSO-PHALANGEAL OR INTERMEDIATE PHALANX DISLOCATION (radiologically documented)	2.00%
2ND–5TH TOE METATARSO-PHALANGEAL OR INTERMEDIATE PHALANX DISLOCATION (radiologically documented)	1.00%
COLLATERAL LIGAMENT INJURY OF KNEE (surgically treated)	5.00%
ANTERIOR OR POSTERIOR CRUCIATE OR TIBIAL PLATEAU LESIONS (surgically treated) -not cumulative among themselves-	8.00%

ISOLATED CAPSULAR OR MENISCAL LESIONS (surgically treated) not cumulative among themselves	2.50%
PATELLAR TENDON LESION (surgically treated)	2.50%
CAPSULO-LIGAMENTOUS LESIONS OF THE TIBIO-FIBULO-TALAR JOINT (surgically treated) not cumulative among themselves	6.00%
ULNOCARPAL DISLOCATION	3.00%
PATELLAR DISLOCATION	3.00%
TIBIOTALAR DISLOCATION	6.00%
VERTEBRAL DISLOCATION	5.00%
AMPUTATIONS
UPPER LIMB
AMPUTATION OVER TWO-THIRDS OF THE UPPER LIMB	80.00%
AMPUTATION OVER TWO-THIRDS OF THE FOREARM	70.00%
AMPUTATION OF ONE HAND OR ALL FINGERS OF ONE HAND	65.00%
AMPUTATION OF THUMB, INDEX, MIDDLE AND RING FINGERS	52.00%
AMPUTATION OF THUMB, INDEX, MIDDLE AND LITTLE FINGERS	58.00%
AMPUTATION OF THUMB, INDEX, RING AND LITTLE FINGERS	56.00%
AMPUTATION OF THUMB, MIDDLE, RING AND LITTLE FINGERS	50.00%
AMPUTATION OF INDEX, MIDDLE, RING AND LITTLE FINGERS	44.00%
AMPUTATION OF THUMB, INDEX AND MIDDLE FINGERS	45.00%
AMPUTATION OF THUMB, INDEX AND RING FINGERS	42.00%
AMPUTATION OF THUMB, INDEX AND LITTLE FINGERS	47.00%
AMPUTATION OF THUMB, MIDDLE AND RING FINGERS	38.00%
AMPUTATION OF THUMB, MIDDLE AND LITTLE FINGERS	43.00%
AMPUTATION OF THUMB, RING AND LITTLE FINGERS	40.00%
AMPUTATION OF INDEX, MIDDLE AND RING FINGERS	32.00%
AMPUTATION OF INDEX, MIDDLE AND LITTLE FINGERS	37.00%
AMPUTATION OF MIDDLE, RING AND LITTLE FINGERS	30.00%
AMPUTATION OF THUMB AND INDEX FINGERS	35.00%
AMPUTATION OF THUMB AND MIDDLE FINGERS	35.00%
AMPUTATION OF THUMB AND RING FINGERS	28.00%
AMPUTATION OF THUMB AND LITTLE FINGERS	33.00%
AMPUTATION OF INDEX AND MIDDLE FINGERS	24.00%
AMPUTATION OF INDEX AND RING FINGERS	22.00%
AMPUTATION OF INDEX AND LITTLE FINGERS	27.00%
AMPUTATION OF MIDDLE AND RING FINGERS	18.00%
AMPUTATION OF MIDDLE AND LITTLE FINGERS	23.00%
AMPUTATION OF RING AND LITTLE FINGERS	20.00%
AMPUTATION OVER TWO-THIRDS OF THE THUMB	20.00%
AMPUTATION OVER TWO-THIRDS OF THE INDEX FINGER	14.00%
AMPUTATION OVER TWO-THIRDS OF THE MIDDLE FINGER	10.00%
AMPUTATION OVER TWO-THIRDS OF THE RING FINGER	7.00%
AMPUTATION OVER TWO-THIRDS OF THE LITTLE FINGER	12.00%
AMPUTATION OVER TWO-THIRDS OF THE DISTAL PHALANX OF THE THUMB	13.00%
AMPUTATION OVER TWO-THIRDS OF THE DISTAL PHALANX OF THE INDEX FINGER	5.00%
AMPUTATION OVER TWO-THIRDS OF THE DISTAL PHALANX OF THE MIDDLE FINGER	3.50%
AMPUTATION OVER TWO-THIRDS OF THE DISTAL PHALANX OF THE RING FINGER	2.50%
AMPUTATION OVER TWO-THIRDS OF THE DISTAL PHALANX OF THE LITTLE FINGER	4.50%
AMPUTATION OF 2ND AND 3RD PHALANGES OF THE INDEX FINGER	10.00%
AMPUTATION OF 2ND AND 3RD PHALANGES OF THE MIDDLE FINGER	8.00%
AMPUTATION OF 2ND AND 3RD PHALANGES OF THE RING FINGER	6.00%
AMPUTATION OF 2ND AND 3RD PHALANGES OF THE LITTLE FINGER	9.00%
LOWER LIMB
AMPUTATION OVER TWO-THIRDS OF THE LOWER LIMB (above mid-thigh)	70.00%
AMPUTATION BELOW MID-THIGH (but above the knee)	65.00%
TOTAL AMPUTATION OR OVER TWO-THIRDS OF THE LEG (below the knee)	65.00%
AMPUTATION OF LOWER LEG, DISTAL THIRD	50.00%
LOSS OF ONE FOOT	45.00%
LOSS OF FOREFOOT AT TARSO-METATARSAL LINE	27.00%
LOSS OF BOTH FEET	100.00%
LOSS OF BIG TOE	6.00%
LOSS OF DISTAL PHALANX OF THE BIG TOE	3.00%
LOSS OF ANY OTHER TOE	1.00%
PERIPHERAL NERVOUS SYSTEM LESIONS (Permanent – Stabilised)
UPPER LIMB
TOTAL BRACHIAL PLEXUS INJURY	60.00%
UPPER RADICULAR SYNDROME, DUCHENNE-ERB TYPE C5-D1	45.00%
LOWER RADICULAR SYNDROME, DEJERINE-KLUMPKE TYPE	45.00%
COMPLETE AXILLARY NERVE PARALYSIS	18.00%
COMPLETE RADIAL NERVE PARALYSIS	35.00%
LOW RADIAL NERVE PARALYSIS	25.00%
COMPLETE MEDIAN NERVE PARALYSIS	40.00%
COMPLETE ULNAR NERVE PARALYSIS	25.00%
LOW ULNAR NERVE PARALYSIS	20.00%
LOWER LIMB
COMPLETE LUMBAR PLEXUS PARALYSIS D12-L4	35.00%
COMPLETE FEMORAL NERVE PARALYSIS	30.00%
COMPLETE SCIATIC NERVE PARALYSIS	45.00%
LOW SCIATIC NERVE PARALYSIS	38.00%
COMPLETE COMMON PERONEAL NERVE PARALYSIS	20.00%
COMPLETE TIBIAL NERVE PARALYSIS	22.00%
CENTRAL NERVOUS SYSTEM LESIONS
POST-TRAUMATIC EPILEPSY, PHARMACOLOGICALLY CONTROLLED, SPORADIC SEIZURES	15.00%
POST-TRAUMATIC EPILEPSY, PHARMACOLOGICALLY CONTROLLED, WEEKLY SEIZURES	30.00%
PARAPARESIS WITH MODERATE STRENGTH DEFICIT, AMBULATION POSSIBLE WITH SUPPORT	40.00%
UPPER LIMB MONOPARESIS WITH STRENGTH DEFICIT AND INABILITY TO PERFORM FINE HAND MOVEMENTS	40.00%
LOWER LIMB MONOPARESIS WITH MODERATE STRENGTH DEFICIT, SWEEPING GAIT, ONLY POSSIBLE WITH SUPPORT	35.00%
BURNS
HEAD
2ND OR 3RD DEGREE BURN OF 6-10% OF THE FACE	3.00%
2ND OR 3RD DEGREE BURN OF 11-15% OF THE FACE	10.00%
2ND OR 3RD DEGREE BURN OF 16-25% OF THE FACE	14.00%
2ND OR 3RD DEGREE BURN OVER 25% OF THE FACE	18.00%
2ND OR 3RD DEGREE BURN OF 15-30% OF THE SCALP	5.00%
2ND OR 3RD DEGREE BURN OVER 30% OF THE SCALP	10.00%
UPPER AND LOWER LIMBS
2ND OR 3RD DEGREE BURN OF 11-20% OF THE UPPER OR LOWER LIMB	5.00%
2ND OR 3RD DEGREE BURN OF 21-30% OF THE UPPER OR LOWER LIMB	10.00%
2ND OR 3RD DEGREE BURN OF 31-50% OF THE UPPER OR LOWER LIMB	15.00%
2ND OR 3RD DEGREE BURN OF OVER 50% OF THE UPPER OR LOWER LIMB	20.00%
TRUNK
2ND OR 3RD DEGREE BURN OF 25-35% OF THE TRUNK	10.00%
2ND OR 3RD DEGREE BURN OF 36-50% OF THE TRUNK	15.00%
2ND OR 3RD DEGREE BURN OVER 50% OF THE TRUNK	20.00%
EXTENSIVE BURNS OVER MORE THAN 25% OF THE BODY SURFACE (Photographically documented)	30.00%