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R+V UnternehmensPolice Technische Versicherungen: the policy wording in full
Allgefahrendeckung für Elektronik nach ABEM mit pauschalen Gerätegruppen einschließlich Kassen und Medizintechnik, Daten- und Mehrkostenversicherung als Klauseln; Apotheken nicht eigens geregelt.
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Everything about this policy
What the policy covers: 60 points, each with its clause
Quotes are shortened.
The full German wording of each point is on the German page for R+V UnternehmensPolice Technische
Versicherungen.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Dedicated pharmacy wording or clause set (not only generic business terms) | not addressed | ||
| All-risks cover for contents and stock | yes | „Der Versicherer leistet Entschädigung für unvorhergesehen eintretende Beschädigungen …“ | ABEM 2.1, page 27 |
| Sum insured for fittings, laboratory and stock | not addressed | ||
| Replacement at new value without depreciation for fittings | yes | „Entschädigt wird der Neuwert abzüglich des Werts des Altmaterials.“ | ABEM 7.3, page 33 |
| Waiver of underinsurance (average) | yes | „Unterversicherung wird nicht geltend gemacht, wenn die Versicherungssumme aller …“ | TM0001 Nr. 2, page 54 |
| Valuation of stock (purchase price, replacement price, retail price) | not addressed | ||
| Provision for seasonal stock peaks (vaccines, flu season) | not addressed | ||
| Stock and fittings outside the insured premises (branch, warehouse, delivery vehicle, vaccination site) | yes, up to the sum insured | „Für Geräte, die für den mobilen Einsatz konzipiert sind, besteht auch außerhalb des …“ | TM1101, TM1102, page 78 |
Perils and property damage
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Fire, lightning, explosion | not addressed | ||
| Burglary and vandalism after break-in | not addressed | ||
| Robbery inside the pharmacy and during delivery | not addressed | ||
| Theft of controlled drugs (narcotics) from the safe | not addressed | ||
| Cash and valuables in till and safe | not addressed | ||
| Escape of water and sprinkler leakage | not addressed | ||
| Storm and hail | not addressed | ||
| Other natural hazards (flood, heavy rain, backflow, earthquake) | not addressed | ||
| Glass breakage (shop windows, door, display cases) | not addressed | ||
| Exterior signs, pharmacy cross and illuminated advertising | not addressed | ||
| Automatic doors, dispensing robot and pick-up station as insured property | not addressed | ||
| Unnamed perils (damage by third parties, operating errors, vehicle impact) | not addressed |
Refrigerated goods and compounding
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Spoilage of refrigerated medicines through cooling failure | not addressed | ||
| Causes for cold goods: power cut, technical defect, operating error | not addressed | ||
| Requirement for refrigerators (DIN 13277, medical fridge, alarm) | not addressed | ||
| Deductible or waiting period for cold goods | not addressed | ||
| Compounded preparations and raw materials in the laboratory | not addressed | ||
| Third-party and customer property (ordered or paid medicines, aids in custody) | not addressed |
Prescriptions, billing and electronics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Prescription loss: lost reimbursement when prescriptions are lost or destroyed before billing | not addressed | ||
| Prescriptions in transit to the billing centre | not addressed | ||
| Retaxation (refused reimbursement by health insurers for formal errors) | not addressed | ||
| Electronics (POS, inventory system, robot, lab devices) against operating errors, surge, short circuit | yes, up to the sum insured | „Bedienungsfehler, Ungeschicklichkeit oder Vorsatz Dritter“ | ABEM 2.1 a, page 27 |
| Restoration of data and software after physical damage | yes, up to the sum insured | „Der Versicherer ersetzt die notwendigen Kosten für die Wiederherstellung von sonstigen …“ | ABEM 6.2 a, page 31 |
| Cyber losses (malware, attack on inventory system and e-prescription link) | yes, up to the sum insured | „leistet der Versicherer Entschädigung für Sachschäden durch Cyberangriffe, soweit sie …“ | TM4115, page 51 |
Business interruption
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Loss of income after insured damage (gross profit, running costs) | not addressed | ||
| Indemnity period in months | not addressed | ||
| Business interruption after cooling or electronics failure | yes, up to the sum insured | „leistet der Versicherer Entschädigung für die dadurch entstehenden Mehrkosten“ | TM0041 Nr. 1, page 74 |
| Interruption by failure of power, network or e-health infrastructure outside the pharmacy | not addressed | ||
| Contingent losses (damage at neighbouring practice, blocked access) | not addressed | ||
| Closure ordered by authorities (infection control, contamination) | not addressed | ||
| Absence of the owner through illness or accident | not addressed | ||
| Increased cost of working (temporary premises, rented equipment) | yes, up to the sum insured | „leistet der Versicherer Entschädigung für die dadurch entstehenden Mehrkosten“ | TM0041 Nr. 1, page 74 |
Public and professional liability
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Limit of indemnity for public and professional liability | not addressed | ||
| Dispensing and advice errors (wrong drug, dose, interaction) | not addressed | ||
| Liability from compounding | not addressed | ||
| Product liability (own brands, imports, cosmetics, supplements) | not addressed | ||
| Delineation from strict manufacturer liability under medicines law | not addressed | ||
| Pharmaceutical services and vaccination | not addressed | ||
| Delivery service and mail order | not addressed | ||
| Pure financial loss | not addressed | ||
| Cover for employed pharmacists, technicians and locums | not addressed | ||
| Damage to rented premises | not addressed | ||
| Loss of third-party keys and locking systems | not addressed | ||
| Run-off cover after giving up the pharmacy | not addressed |
Contract, deductible and duties
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Bundled policy: property, BI and liability in one contract | yes | „Dieser Allgemeine Bedingungsteil gilt für alle, rechtlich selbstständigen, Verträge der …“ | AT 1, page 3 |
| Framework agreement via pharmacists' association or chamber | not addressed | ||
| General deductible | yes, up to the sum insured | „Der nach Nr. 7.1 bis 7.8 ermittelte Betrag wird je Versicherungsfall um die vereinbarte …“ | ABEM 7.9, page 34 |
| Waiver of reduction for gross negligence | no | „Haben der Versicherungsnehmer oder seine Repräsentanten den Schaden grob fahrlässig …“ | ABEM 7.8, page 34 |
| Security requirements (alarm, safe class, night service hatch) | yes | „die Einhaltung aller gesetzlichen, behördlichen sowie vertraglich vereinbarten …“ | ABEM 13.1, page 37 |
| Cash in transit to the bank | not addressed | ||
| Future improvement clause | yes | „Führt der Versicherer neue oder geänderte Bedingungen oder Leistungen zu dem mit dieser …“ | LeistungsUpdate-Garantie, page 24 |
| Term and cancellation | yes | „Bei einer Vertragsdauer von mindestens einem Jahr verlängert sich der Vertrag um …“ | AT 2.2, page 3 |
Evaluated by NAMMERT from published policy wordings.
Despite care, a value may be misread;
legally only the wording of your own contract in the edition stated there applies.
Please report errors, we correct them the same day.
Policy wordings and provider
- Legal entity
- R+V Allgemeine Versicherung Aktiengesellschaft
- Distribution
- through tied agents
- Versicherungsbedingungen R+V-UnternehmensPolice Technische Versicherungen (mit ABEM 2022 und Elektronik-Klauseln) Edition: Versicherungsbedingungen R+V-UnternehmensPolice Technische Versicherungen (ABEM 2022, Klauseln TM) Original from the insurer (PDF, German)
Full text of the wording
The full text exists only in German.
It is printed on the German page for R+V UnternehmensPolice Technische Versicherungen and
available as plain text.
Volltext R+V UnternehmensPolice Technische Versicherungen Apothekenversicherung · As text (Markdown) R+V UnternehmensPolice Technische Versicherungen Pharmacy insurance