...

You Care - Aviva Italia

by user

on
Category: Documents
14

views

Report

Comments

Transcript

You Care - Aviva Italia
You Care
Contratto di assicurazione Collettivo
per il rimborso di spese mediche
per Grandi Interventi Chirurgici e Gravi eventi Morbosi
IL PRESENTE FASCICOLO INFORMATIVO, CONTENENTE:
• Nota informativa, comprensiva di Glossario;
• Condizioni di assicurazione;
DEVE ESSERE CONSEGNATO AL CONTRAENTE PRIMA DELLA
SOTTOSCRIZIONE DEL CONTRATTO DI ASSICURAZIONE.
PRIMA DELLA SOTTOSCRIZIONE LEGGERE ATTENTAMENTE
LA NOTA INFORMATIVA
Avipop Assicurazioni S.p.A.
Gruppo Aviva
1250(&+(5(*2/$12/¶$66,&85$=,21(,1*(1(5$/(
La Polizza Convenzione collettiva You Care stipulata con Avipop Assicurazioni S.p.A, è depositata sia
presso la direzione Generale
sia presso la direzione di Avipop
Assicurazioni S.p.A
$UW±'HFRUUHQ]DGHOODJDUDQ]LDGLFLDVFXQDDGHVLRQH±3DJDPHQWRGHO3UHPLR±3URURJD
/H JDUDQ]LH GHFRUUHUDQQR QHL FRQIURQWL GL RJQL $VVLFXUDWR GDOOH RUH GHO JLRUQR GHOOD VRWWRVFUL]LRQH GD
SDUWH GHOO¶$VVLFXUDWR VWHVVR GHO 0RGXOR GL $GHVLRQH SUHVVR XQD )LOLDOH R $JHQ]LD GHO &RQWUDHQWH FKH
FRUULVSRQGHDOODGDWDGHOSDJDPHQWRGHOSUHPLRRGHOODSULPDUDWDGLSUHPLRHGDYUjGXUDWDGLDQQLXQR
6H O¶$VVLFXUDWR QRQ SDJD OH UDWH GL SUHPLR VXFFHVVLYH O¶DVVLFXUD]LRQH UHVWD VRVSHVD GDOOH RUH GHO
TXLQGLFHVLPRJLRUQRVXFFHVVLYRDOODVFDGHQ]DHULSUHQGHYLJRUHGDOOHRUHGHOJLRUQRGLSDJDPHQWR
8QD FRSLD GHO ³0RGXOR GL $GHVLRQH´ GHELWDPHQWH VRWWRVFULWWR GDOO¶$VVLFXUDWR GRYUj HVVHUH LQROWUDWD GDO
&RQWUDHQWHDOOD6RFLHWj
,QPDQFDQ]DGLGLVGHWWDLQYLDWDDOPHQRVHVVDQWDJLRUQLSULPDGHOODVFDGHQ]DDQQLYHUVDULDPHGLDQWH
OHWWHUDUDFFRPDQGDWDLQYLDWDGLUHWWDPHQWHDO&RQWUDHQWHRDOOD6RFLHWjRJQLVLQJRODDGHVLRQHVLULQQRYD
SHUXQDQQRHFRVuVXFFHVVLYDPHQWH
35263(772'(,3,$1,$66,&85$7,9,(35(0,
,O SUHPLR DQQXR SURFDSLWH GL RJQL VLQJROD $GHVLRQH LQGLFDWR QHOOD WDEHOOD VHJXHQWH YDULD LQ EDVH DO SLDQR
SUHVFHOWR
&23(5785$67$1'$5'
&23(5785$67$1'$5'
0DVVLPDOH
0DVVLPDOH
35(0,2
35(0,2
¼
¼
(WjLQ
*,&*(0
(WjLQ
*,&*(0
$VVLVWHQ]D
$VVLVWHQ]D
,QJUHVVR
SUHHSRVW
,QJUHVVR
SUHHSRVW
,SUHPLVXHVSRVWLVRQRFRPSUHQVLYLGLLPSRVWH/HLPSRVWHUHODWLYHDOOHJDUDQ]LH,QIRUWXQLH0DODWWLD
VRQRSDULDOPHQWUHTXHOOHUHODWLYHDOODJDUDQ]LD$VVLVWHQ]DVRQRSDULDO
,O FRQWUDWWR SUHYHGH LO SDJDPHQWR GHO SUHPLR LQ IRUPD DQQXDOH WXWWDYLD DOO¶DWWR GHO SHUIH]LRQDPHQWR q
SRVVLELOH RSWDUH SHU LO IUD]LRQDPHQWR LQ UDWH PHQVLOL VHQ]D DSSOLFD]LRQH GL LQWHUHVVL ,O SUHPLR q VHPSUH
GHWHUPLQDWRSHUSHULRGLGLDVVLFXUD]LRQHGLXQDQQRHGqGRYXWRSHULQWHURDQFKHLQFDVRGLIUD]LRQDPHQWR
/¶$VVLFXUDWRVDUjWHQXWRDFRUULVSRQGHUHLOSUHPLRUHODWLYRDOO¶LQWHURSHULRGRGLJDUDQ]LDSUHVWDWDHGLQFDVR
GL VLQLVWUR O¶$VVLFXUDWR V¶LPSHJQD D SDJDUH WXWWH OH UDWH DQFRUD LQVROXWH ILQR D FRPSLPHQWR GHOO¶DQQXDOLWj
LQWHUDFRQWHVWXDOPHQWHDOODOLTXLGD]LRQHGHOVLQLVWUR
$LVRWWRVFULWWRULGHO&RQWUDWWRGL$VVLFXUD]LRQH<RX&DUHFKHVRQR
GLSHQGHQWLLQDWWLYLWjHLQTXLHVFHQ]D
VRFLGHO*UXSSR%DQFR3RSRODUH
VRQRULVHUYDWHFRQGL]LRQLDJHYRODWHO¶LPSRUWRGHOSUHPLRDQQXRSDJDWRYLHQHVFRQWDWRDOPLQLPRGHO
FLUFD
You Care - Fascicolo Informativo - Mod. n. 02711/B - ed. 05/2013 - pagina 1 di 25
$UW±'LFKLDUD]LRQHUHODWLYHDOOHFLUFRVWDQ]HGHOULVFKLR
/HGLFKLDUD]LRQLLQHVDWWHROHUHWLFHQ]HGHOO¶$VVLFXUDWRUHODWLYHDFLUFRVWDQ]HFKHLQIOXLVFRQRVXOODYDOXWD]LRQH
GHO ULVFKLR SRVVRQR FRPSRUWDUH OD SHUGLWD WRWDOH R SDU]LDOH GHO GLULWWR DOO¶LQGHQQL]]R QRQFKp OD VWHVVD
FHVVD]LRQHGHOO¶DVVLFXUD]LRQHDLVHQVLGHJOLDUWHGHO&RGLFH&LYLOH
$UW±$JJUDYDPHQWRHGLPLQX]LRQHGHOULVFKLR
/¶$VVLFXUDWR GHYH GDUH FRPXQLFD]LRQH VFULWWD DOOD 6RFLHWj GL RJQL DJJUDYDPHQWR H GLPLQX]LRQH GHO ULVFKLR
*OL DJJUDYDPHQWL GL ULVFKLR QRQ QRWL R QRQ DFFHWWDWL GDOOD 6RFLHWj SRVVRQR FRPSRUWDUH OD SHUGLWD WRWDOH R
SDU]LDOH GHO GLULWWR DOO¶LQGHQQL]]R QRQFKp OD VWHVVD FHVVD]LRQH GHOO¶DVVLFXUD]LRQH DL VHQVL GHOO¶DUW GHO
&RGLFH&LYLOH
$UW±$OWUH$VVLFXUD]LRQL
,O&RQWUDHQWH$VVLFXUDWRGHYHFRPXQLFDUHSHULVFULWWRDOOD6RFLHWjO¶HVLVWHQ]DHODVXFFHVVLYDVWLSXOD]LRQHGL
DOWUHDVVLFXUD]LRQLSHUORVWHVVRULVFKLR,QFDVRGLVLQLVWURLO&RQWUDHQWH$VVLFXUDWRGHYHGDUQHDYYLVRDWXWWL
JOL$VVLFXUDWRULLQGLFDQGRDFLDVFXQRLOQRPHGHJOLDOWULFRVuFRPHGLVSRVWRGDOO¶DUWGHO&RGLFH&LYLOH
$UW±)RUR&RPSHWHQWH
)RURFRPSHWHQWHDVFHOWDGHOODSDUWHDWWULFHqTXHOORGHOOXRJRGLUHVLGHQ]DRVHGHGHOO¶$VVLFXUDWR
$UW±2QHULILVFDOL
*OLRQHULILVFDOLUHODWLYHDOO¶DVVLFXUD]LRQHVRQRDFDULFRGHOO¶$VVLFXUDWR
$UW±5LQYLRDOOHQRUPHGLOHJJH
3HUWXWWRTXDQWRQRQqTXLGLYHUVDPHQWHUHJRODWRYDOJRQROHQRUPHGLOHJJH
$UW±5HFHVVRLQFDVRGLVLQLVWUR
'RSR OD GHQXQFLD GL RJQL VLQLVWUR LQGHQQL]]DELOH D WHUPLQL GL SROL]]D H ILQR DO ƒ JLRUQR GDO SDJDPHQWR R
ULILXWR GHOO¶LQGHQQL]]R OH 3DUWL SRVVRQR UHFHGHUH GDOO¶DVVLFXUD]LRQH FRQ SUHDYYLVR GL DOPHQR JLRUQL GD
GDUVL PHGLDQWH OHWWHUD UDFFRPDQGDWD ,Q FDVR GL UHFHVVR HVHUFLWDWR GD XQD GHOOH SDUWL OD 6RFLHWj HQWUR JLRUQLGDOODGDWDGLHIILFDFLDGHOUHFHVVRULPERUVDODSDUWHGLSUHPLRLPSRQLELOHUHODWLYRDOSHULRGRGLULVFKLR
QRQFRUVR
$UW±3HUVRQHQRQDVVLFXUDELOL&HVVD]LRQHGHOO¶DVVLFXUD]LRQH
/D 6RFLHWj SUHVWD O¶$VVLFXUD]LRQH VX GLFKLDUD]LRQH GHOO¶$VVLFXUDWR GL QRQ HVVHUH DIIHWWR GD DOFROLVPR
WRVVLFRGLSHQGHQ]DVLQGURPHGDLPPXQRGHILFLHQ]DDFTXLVLWD$,'6,OPDQLIHVWDUVLQHOO¶$VVLFXUDWRGLXQDR
SLGLWDOLDIIH]LRQLRPDODWWLHQHOFRUVRGHOFRQWUDWWRFRVWLWXLVFHSHUOD6RFLHWjDJJUDYDPHQWRGLULVFKLRSHULO
TXDOH HVVD QRQ DYUHEEH FRQVHQWLWR O¶DVVLFXUD]LRQH D VHQVL GHOO¶$UW GHO &RGLFH &LYLOH
LQGLSHQGHQWHPHQWHGDOODFRQFUHWDYDOXWD]LRQHGHOORVWDWRGLVDOXWHGHOO¶$VVLFXUDWRVWHVVRVLDSSOLFDLQTXHVWR
FDVRODGLVFLSOLQDSUHYLVWDGDWDOHDUWLFROR
$UW±9DOLGLWj7HUULWRULDOH
/¶DVVLFXUD]LRQHqYDOLGDLQWXWWRLOPRQGRDGHVFOXVLRQHGHOOD*DUDQ]LD$VVLVWHQ]D'RPLFLOLDUH,QWHJUDWDFKH
KDYDOLGLWjHVFOXVLYDPHQWHLQ,WDOLD
You Care - Fascicolo Informativo - Mod. n. 02711/B - ed. 05/2013 - pagina 2 di 25
$UW±5HTXLVLWLGLDVVLFXUDELOLWj±/LPLWLGLHWj
6RQRDVVLFXUDELOLWXWWHOHSHUVRQHILVLFKH
ƒ GLHWjQRQVXSHULRUHDDQQLSXUFKpDOPRPHQWRGHOODVRWWRVFUL]LRQHQRQDEELDQRDQFRUDFRPSLXWRL
DQQLGLHWj
ƒ PLQRULGLDQQLGLHWjSXUFKpODJDUDQ]LDYHQJDDWWLYDWDFRQWHVWXDOPHQWHDOPHQRSHUXQRGHLJHQLWRUL
ƒ LQ EXRQR VWDWR GL VDOXWH LQ JHQHUDOH FRPH DWWHVWDWR GDOOD GLFKLDUD]LRQH VRWWRVFULWWD GDJOL $VVLFXUDWL VXO
0RGXORGL$GHVLRQH
$UW±$UELWUDWR&RQWURYHUVLH
,Q FDVR GL FRQWURYHUVLH GL QDWXUD PHGLFD VXOOD QDWXUD GHOOD PDODWWLD R LQIRUWXQLR QRQFKp VXL FULWHUL GL
LQGHQQL]]DELOLWjOH3DUWLVLREEOLJDQRDFRQIHULUHSHULVFULWWRPDQGDWRGLGHFLGHUHDGXQ&ROOHJLRGLWUHPHGLFL
QRPLQDWLXQRSHUSDUWHHGLOWHU]RGLFRPXQHDFFRUGRRLQFDVRFRQWUDULRDO&RQVLJOLRGHOO¶2UGLQHGHL0HGLFL
DYHQWHJLXULVGL]LRQHQHOOXRJRGRYHGHYHULXQLUVLLO&ROOHJLR,O&ROOHJLRPHGLFRULVLHGHQHO&RPXQH6HGHGL
,VWLWXWRGL0HGLFLQD/HJDOHSLYLFLQRDOOXRJRGLUHVLGHQ]DGHOO¶$VVLFXUDWR&LDVFXQDGHOOH3DUWLVRVWLHQHOH
SURSULHVSHVHHUHPXQHUDLOPHGLFRGDHVVDGHVLJQDWRFRQWULEXHQGRSHUODPHWjGHOOHVSHVHHFRPSHWHQ]H
SHULOWHU]RPHGLFR
3HUODULVROX]LRQHGLHYHQWXDOLFRQWURYHUVLHWUDOH3DUWLO¶$VVLFXUDWRLQDOWHUQDWLYDDTXDQWRSUHFHGH
KDIDFROWjGLULYROJHUVLDOO¶$XWRULWj*LXGL]LDULD
You Care - Fascicolo Informativo - Mod. n. 02711/B - ed. 05/2013 - pagina 3 di 25
6(=,21(,$66,&85$=,21(*5$1',,17(59(17,&+,585*,&,(*5$9,
(9(17,025%26,
/D6RFLHWjVLDYYDOHSHUODJHVWLRQHHO¶HURJD]LRQHGHOOHSUHVWD]LRQLGHOOD6WUXWWXUD2UJDQL]]DWLYDGL(XURS
$VVLVWDQFH,WDOLD6S$±3]]D7UHQWRQ±0LODQR
&21',=,21,*(1(5$/,',6(=,21(
6RJJHWWL$VVLFXUDWL
2OWUH DOO¶$VVLFXUDWR OH FRSHUWXUH SRVVRQR HVVHUH HVWHVH DO &RQLXJH DO &RQYLYHQWH PRUH X[RULR HG DL ILJOL
ILVFDOPHQWHDFDULFR
$UW±2JJHWWRGHOO¶DVVLFXUD]LRQH
/D6RFLHWjVLLPSHJQDLQFDVRGLLQIRUWXQLRRPDODWWLDSHULOWUDPLWHGHOOD6WUXWWXUD2UJDQL]]DWLYDD
ULPERUVDUH DOO¶$VVLFXUDWR SHU HYHQWR H SHU DQQR DVVLFXUDWLYR QHOO¶DPELWR GHO PDVVLPDOH GL FXL DO
3LDQR $VVLFXUDWLYR SUHVFHOWR HG LQGLFDWR QHO 0RGXOR GL $GHVLRQH OH VSHVH VRVWHQXWH GXUDQWH LO
ULFRYHURLQ,VWLWXWRGL&XUDDVHJXLWRGL*UDQGL,QWHUYHQWL&KLUXUJLFLH*UDYL(YHQWL0RUERVLFRPHGD
$OOHJDWRSHU
D 6SHVHGL,QWHUYHQWR&KLUXUJLFR
RQRUDUL GHO FKLUXUJR GHOO¶DLXWR GHOO¶DVVLVWHQWH GHOO¶DQHVWHVLVWD GLULWWL GL VDOD RSHUDWRULD H PDWHULDOH GL
LQWHUYHQWRFRPSUHVHOHHQGRSURWHVLDSSOLFDWHGXUDQWHO¶LQWHUYHQWR
E 6SHVHVDQLWDULH
UHWWDGLGHJHQ]DUHWWDSHUO¶DFFRPSDJQDWRUHSUHVWD]LRQLPHGLFKHHGLQIHUPLHULVWLFKHFRQVXOHQ]HPHGLFR
±VSHFLDOLVWLFKHPHGLFLQDOLHVDPLHGDFFHUWDPHQWLGLDJQRVWLFLGXUDQWHLOULFRYHUR
F 7UDWWDPHQWLILVLRWHUDSLFLHULHGXFDWLYLQHLJLRUQLVXFFHVVLYLDO*UDQGH,QWHUYHQWR&KLUXUJLFRRDO
*UDYH(YHQWR0RUERVR
G 6SHVH3UHH3RVWULFRYHUR
OHVSHVHVRVWHQXWHQHLJLRUQLSULPDHQHLJLRUQLVXFFHVVLYLDOULFRYHURSXUFKpUHODWLYHDJOLHYHQWL
LQGHQQL]]DELOLDWHUPLQLGLSROL]]DHQWURLOOLPLWHGL¼YLULHQWUDQROHVHJXHQWLVSHVH
ƒ DFFHUWDPHQWLGLDJQRVWLFL
ƒ YLVLWHVSHFLDOLVWLFKH
ƒ VSHVHULDELOLWDWLYHFRQLOOLPLWHGL¼
ƒ WXWRULHRSURWHVLFRQLOOLPLWHGL¼
ƒ VSHVH SHU WHUDSLH RQFRORJLFKH FRQ LO OLPLWH GL ¼ TXDORUD DOO¶$VVLFXUDWR LQ FRUVR GL FRQWUDWWR
YHQJDGLDJQRVWLFDWDHGDFFHUWDWDSHUODSULPDYROWDQHOODVXDYLWDXQDPDODWWLDRQFRORJLFD
$UW±(VFOXVLRQL
6RQRHVFOXVLLULPERUVLJOLLQGHQQL]]LHOHSUHVWD]LRQLFRQVHJXHQWLD
LQIRUWXQLPDODWWLHPDOIRUPD]LRQLGLIHWWLILVLFLHVWDWLSDWRORJLFLGLDJQRVWLFDWLDQWHULRUPHQWHDOOD
VWLSXOD]LRQHGHOFRQWUDWWRVRWWDFLXWLDOOD&RPSDJQLDFRQGRORRFROSDJUDYH
VWDWLSDWRORJLFLFRUUHODWLDOO¶LQIH]LRQHGD+,9
PDODWWLHPHQWDOLHGLVWXUELSVLFKLFLLQJHQHUHLYLFRPSUHVLLFRPSRUWDPHQWLQHYURWLFL
LQIRUWXQL H PDODWWLH FRQVHJXHQWL DOO¶DEXVR GL DOFROLFL DOO¶XVR GL DOOXFLQRJHQL H DOO¶XVR QRQ
WHUDSHXWLFRGLSVLFRIDUPDFLHGLVWXSHIDFHQWL
DERUWRYRORQWDULRQRQWHUDSHXWLFR
LQIRUWXQL FRQVHJXHQWL DG D]LRQL GHOLWWXRVH FRPSLXWH GDOO¶$VVLFXUDWR VRQR LQYHFH FRPSUHVL
TXHOOLVRIIHUWLLQFRQVHJXHQ]DGLLPSUXGHQ]DRQHJOLJHQ]DDQFKHJUDYLGHOO¶$VVLFXUDWRVWHVVR
LQIRUWXQLGHULYDQWLGDVSRUWDHUHLHGDOODSDUWHFLSD]LRQHDJDUHPRWRULVWLFKHHUHODWLYHSURYHHG
DOOHQDPHQWLVDOYRFKHVLWUDWWLGLJDUHGLUHJRODULWj
FXUHGHQWDULHSURWHVLGHQWDULHHOHSDURGRQWRSDWLHQRQFRQVHJXHQWLDGLQIRUWXQLR
You Care - Fascicolo Informativo - Mod. n. 02711/B - ed. 05/2013 - pagina 4 di 25
DSSOLFD]LRQL GL FDUDWWHUH HVWHWLFR VDOYR JOL LQWHUYHQWL GL FKLUXUJLD SODVWLFD R VWRPDWRORJLFD
ULFRVWUXWWLYDUHVLQHFHVVDULGDLQIRUWXQLRRPDODWWLD
FRQVHJXHQ]HGLJXHUUHHLQVXUUH]LRQLPRYLPHQWLWHOOXULFLHUX]LRQLYXOFDQLFKHHLQRQGD]LRQL
FRQVHJXHQ]HGLWUDVIRUPD]LRQLRDVVHVWDPHQWLHQHUJHWLFLGHOO¶DWRPRQDWXUDOLRSURYRFDWLHGD
DFFHOHUD]LRQL GL SDUWLFHOOH DWRPLFKH ILVVLRQH H IXVLRQH QXFOHDUH LVRWRSL UDGLRDWWLYL PDFFKLQH
DFFHOHUDWULFLUDJJL;HFF
DFTXLVWRODPDQXWHQ]LRQHHODULSDUD]LRQHGLDSSDUHFFKLSURWHVLFLHWHUDSHXWLFL
VRJJLRUQLLQVWDELOLPHQWLWHUPDOLLQFDVHGLFXUDVSHFLDOL]]DWHSHUPDODWWLHQHUYRVHHWXEHUFRODUL
LQFDVHGLVRJJLRUQRHFRQYDOHVFHQ]DFDVHGLULSRVRDQFRUFKpTXDOLILFDWHFRPHLVWLWXWLGLFXUH
6RQRLQROWUHHVFOXVLLULFRYHULGXUDQWHLTXDOLYHQJRQRFRPSLXWLVRODPHQWHDFFHUWDPHQWLFKHSHU
ODORURQDWXUDWHFQLFDSRVVRQRHVVHUHHIIHWWXDWLLQDPEXODWRULR
$UW±7HUPLQLGLFDUHQ]D
/DJDUDQ]LDGHFRUUH
SHUJOLLQIRUWXQLGDOOHRUHGHOJLRUQRLQFXLKDHIIHWWRO¶DVVLFXUD]LRQH
SHUOHPDODWWLHGDOƒJLRUQRVXFFHVVLYRDTXHOORLQFXLKDHIIHWWRO¶DVVLFXUD]LRQH
SHU OH FRQVHJXHQ]H GL VWDWL SDWRORJLFL ODWHQWL LQVRUWL DQWHULRUPHQWH DOOD VWLSXOD]LRQH GHO
FRQWUDWWR H QRQ DQFRUD PDQLIHVWDWL FHUWD OD QRQ FRQRVFHQ]D GHOO¶$VVLFXUDWR GDO ƒ JLRUQR
VXFFHVVLYRDTXHOORLQFXLKDHIIHWWRO¶DVVLFXUD]LRQH
SHULOSDUWRHSHUOHPDODWWLHGDSXHUSHULRGDOƒJLRUQRVXFFHVVLYRDTXHOORLQFXLKDHIIHWWR
O¶DVVLFXUD]LRQH
4XDORUD OD SUHVHQWH SROL]]D VLD VWDWD HPHVVD LQ VRVWLWX]LRQH GL FRQWUDWWR DQDORJR ULJXDUGDQWH OR
VWHVVR$VVLFXUDWRLWHUPLQLGLFXLVRSUDQRQRSHUDQR
$UW±'HQXQFLDGHOVLQLVWUR±0RGDOLWjGLSDJDPHQWR±2EEOLJKLGHOO¶$VVLFXUDWR
/H VSHVH JDUDQWLWH LQ SROL]]D YHQJRQR ULPERUVDWH QHO OLPLWH GHL PDVVLPDOL DQQXL SHU SHUVRQD FRQ OH
PRGDOLWjLOLPLWLHGLFULWHULTXLGLVHJXLWRHOHQFDWLSHURJQLVLQLVWUR
3DJDPHQWR'LUHWWRSHUSUHVWD]LRQLPHGLFKHHIIHWWXDWHSUHVVR6WUXWWXUH6DQLWDULH&RQYHQ]LRQDWH
FRQ(XURS$VVLVWDQFH
4XDORUDO¶$VVLFXUDWRVLDYYDOJDGLXQD6WUXWWXUD6DQLWDULD&RQYHQ]LRQDWDFRQ(XURS$VVLVWDQFHLOPDVVLPDOH
SHUDQQRDVVLFXUDWLYRVDUjTXHOORLQGLFDWRVXO0RGXORGL$GHVLRQHVHQ]DDSSOLFD]LRQHGLDOFXQRVFRSHUWR
3HU XVXIUXLUH GHOOH SUHVWD]LRQL PHGLFKH GL XQ FHQWUR FRQYHQ]LRQDWR O¶$VVLFXUDWR GHYH FRQWDWWDUH
SUHYHQWLYDPHQWHOD6WUXWWXUD2UJDQL]]DWLYDWUDPLWHLOVHJXHQWHQXPHURWHOHIRQLFR
'DOO¶,WDOLD
'DOO¶,WDOLDRGDOO¶HVWHUR
FRPXQLFDQGRFRQHVWUHPDSUHFLVLRQH
QRPHHFRJQRPHGHOO¶$VVLFXUDWRFKHQHFHVVLWDGL5LFRYHURR,QWHUYHQWR&KLUXUJLFR
LQGLUL]]RGHOOXRJRLQFXLWURYDHUHFDSLWRWHOHIRQLFR
8QLWDPHQWH DL VRSUDFFLWDWL GDWL q LQGLVSHQVDELOH FKH O¶$VVLFXUDWR LQYLL DOOD 6WUXWWXUD 2UJDQL]]DWLYD D PH]]R
WHOHID[ DO 1 OD SUHVFUL]LRQH PHGLFD DWWHVWDQWH OD QHFHVVLWj GHO 5LFRYHUR R GHOO¶,QWHUYHQWR
&KLUXUJLFR
/D SUHYHQWLYD DWWLYD]LRQH GHOOD 6WUXWWXUD 2UJDQL]]DWLYD O
LQYLR GHOOD SUHVFUL]LRQH PHGLFD H OD VXFFHVVLYD
FRQIHUPDGHOO
DYYHQXWDSUHQRWD]LRQHSUHVVROH6WUXWWXUH6DQLWDULHFRQYHQ]LRQDWHVRQRFRQGL]LRQLHVVHQ]LDOL
SHUO¶RSHUDWLYLWjGHOSDJDPHQWRGLUHWWR
You Care - Fascicolo Informativo - Mod. n. 02711/B - ed. 05/2013 - pagina 5 di 25
$OO¶DWWRGHOULFRYHURSUHVVROD6WUXWWXUD6DQLWDULD&RQYHQ]LRQDWDO¶$VVLFXUDWRGRYUjVRWWRVFULYHUHOD³OHWWHUDGL
LPSHJQR´WUDVPHVVDGDOOD6WUXWWXUD2JDQL]]DWLYDDOO¶(QWH&RQYHQ]LRQDWR
$ ULFRYHUR FRQFOXVR OD 6WUXWWXUD 6DQLWDULD &RQYHQ]LRQDWD WUDVPHWWHUj GLUHWWDPHQWH DOOD 6WUXWWXUD
2UJDQL]]DWLYDJOLRULJLQDOLGHOOHIDWWXUHLQWHVWDWHDOO
$VVLFXUDWRHGHOODGRFXPHQWD]LRQHFOLQLFD
/D 6RFLHWj SDJKHUj GLUHWWDPHQWH VHQ]D DSSOLFD]LRQH GL DOFXQR VFRSHUWR OH VSHVH VRVWHQXWH SHU OH
SUHVWD]LRQL PHGLFKH ULFHYXWH FKH VRQR JDUDQWLWH D WHUPLQH GL SROL]]D /¶$VVLFXUDWR GRYUj SURYYHGHUH
GLUHWWDPHQWHDOSDJDPHQWRGHOOHVSHVHRGHOOHHFFHGHQ]HGLVSHVHVRVWHQXWHSHUOHSUHVWD]LRQLULFHYXWHFKH
QRQVRQRJDUDQWLWHDWHUPLQLGLSROL]]D
/¶$VVLFXUDWRVLLPSHJQDDUHVWLWXLUHDOOD6RFLHWjJOLLPSRUWLGDOODVWHVVDOLTXLGDWLSHUSUHVWD]LRQLFKH
GDOO¶HVDPHGHOODFDUWHOODFOLQLFDRGDDOWUDGRFXPHQWD]LRQHPHGLFDULVXOWLQRQRQLQGHQQL]]DELOL
3DJDPHQWR LQGLUHWWR SHU SUHVWD]LRQL PHGLFKH HIIHWWXDWH SUHVVR 6WUXWWXUH 6DQLWDULH QRQ
&RQYHQ]LRQDWHFRQ(XURS$VVLVWDQFH
4XDORUD O¶$VVLFXUDWR VL DYYDOJD GL XQD 6WUXWWXUD 6DQLWDULD QRQ &RQYHQ]LRQDWD FRQ (XURS $VVLVWDQFH LO
PDVVLPDOH SHU DQQR DVVLFXUDWLYR VDUj TXHOOR LQGLFDWR VXO 0RGXOR GL $GHVLRQH FRQ DSSOLFD]LRQH GL XQR
VFRSHUWRGHOFRQXQPLQLPRGL¼HGXQPDVVLPRGL¼
3HURWWHQHUHLOULPERUVRGHOOHVSHVHVRVWHQXWHO¶$VVLFXUDWRGHYH
'HQXQFLDUHLOVLQLVWURDOOD6WUXWWXUD2UJDQL]]DWLYDHQWURWUHQWDJLRUQLGDOO¶DYYHQXWRULFRYHURULHQWUDQWHQHOOD
JDUDQ]LDSUHYLVWDDOO¶DUWFRQFHUWLILFDWRPHGLFRGDFXLULVXOWLODGLDJQRVLFLUFRVWDQ]LDWD
3URYYHGHUH DG LQYLDUH DG (XURS $VVLVWDQFH ,WDOLD 6S$ 3LD]]D 7UHQWR ± 0,/$12 ± 8IILFLR
/LTXLGD]LRQH6LQLVWUL*UDQGL,QWHUYHQWLODFRSLDGHO0RGXORGL$GHVLRQHODFRSLDDXWHQWLFDHFRPSOHWDGHOOD
FDUWHOODFOLQLFD
&RQVHJQDUHDG(XURS$VVLVWDQFHJOLRULJLQDOLGLSDUFHOOHQRWXOHGLVWLQWHULFHYXWHHIDWWXUHVXOOHTXDOLVLDQR
LQGLFDWL QRPH FRJQRPH H GRPLFLOLR GHOO¶$VVLFXUDWR FKH VL q VRWWRSRVWR DOOH FXUH H FKH ULVXOWLQR SDJDWH H
TXLHWDQ]DWH
$FFRQVHQWLUH DG HYHQWXDOL FRQWUROOL PHGLFL GLVSRVWL GD (XURS $VVLVWDQFH H IRUQLUH DOOD VWHVVD RJQL
LQIRUPD]LRQH VDQLWDULD UHODWLYD DOOD SDWRORJLD GHQXQFLDWD VFLRJOLHQGR D WDO ILQH GDO VHJUHWR SURIHVVLRQDOH L
PHGLFLFKHO¶KDQQRYLVLWDWRHFXUDWR$OULFHYLPHQWRGLWXWWDODGRFXPHQWD]LRQHGLFXLVRSUD(XURS$VVLVWDQFH
LQQRPHHSHUFRQWRGHOOD6RFLHWjSURYYHGHUjDOSDJDPHQWRGLTXDQWRVSHWWDQWHVHFRQGRLPDVVLPDOLLQGLFDWL
QHO 0RGXOR GL $GHVLRQH HG L OLPLWL ULSRUWDWL DOO¶DUW ± 2JJHWWR GHOO¶DVVLFXUD]LRQH 3HU OD JDUDQ]LD
³5LPERUVR 6SHVH SHU *UDQGL ,QWHUYHQWL´ R ³5LPERUVR 6SHVH SHU *UDQGL ,QWHUYHQWL H *UDYL (YHQWL 0RUERVL´
TXDORUD O¶$VVLFXUDWR DEELD SUHVHQWDWR D WHU]L O¶RULJLQDOH GHOOH QRWXOH GLVWLQWH H ULFHYXWH SHU RWWHQHUH LO
ULPERUVR (XURS $VVLVWDQFH HIIHWWXD LO SDJDPHQWR GL TXDQWR GRYXWR D WHUPLQL GHO SUHVHQWH FRQWUDWWR GLHWUR
GLPRVWUD]LRQHGHOOHVSHVHHIIHWWLYDPHQWHVRVWHQXWHDOQHWWRGLTXDQWRDFDULFRGHLSUHGHWWLWHU]L
You Care - Fascicolo Informativo - Mod. n. 02711/B - ed. 05/2013 - pagina 6 di 25
$//(*$72±(/(1&2*5$1',,17(59(17,&+,585*,&,(*5$9,(9(17,
025%26,
*5$1',,17(59(17,&+,585*,&,
6LFRQVLGHUDQR*UDQGL,QWHUYHQWL&KLUXUJLFL´LVHJXHQWLLQWHUYHQWL
$1$/*(6,$
%ORFFRGHOO
LSRILVL
&+,585*,$*(1(5$/(
&ROOR
7UDWWDPHQWRIHULWHSURIRQGHGHOFROOR
$VSRUWD]LRQHGHOOHJKLDQGROHVDOLYDULSHUQHRSODVLH
/LQIHFWRPLDFHUYLFDOHELODWHUDOH
/LQIHFWRPLDFHUYLFDOHPRQRODWHUDOH
,QWHUYHQWLVXOODWLURLGH
D WLURLGHFWRPLHSDU]LDOLSHUQHRSODVLDPDOLJQD
E WLURLGHFWRPLDWRWDOHSHUQHRSODVLDPDOLJQD
F WLURLGHFWRPLDDOODUJDWDSHUQHRSODVLDPDOLJQD
*R]]RUHWURVWHUQDOH
*R]]RUHWURVWHUQDOHFRQPHGLDVWLQRWRPLD
,QWHUYHQWLVXOOHSDUDWLURLGL
)DULQJRWRPLDHGHVRIDJRWRPLD
,QWHUYHQWLSHUGLYHUWLFRORGHOO
HVRIDJR
5HVH]LRQHGHOO
HVRIDJRFHUYLFDOH
$GGRPHSDUHWHDGGRPLQDOH
/DSDUDWRPLDSHUGUHQDJJLRGLSHULWRQLWL
,QWHUYHQWRSHUHUQLDLQJXLQDOHRFUXUDOHFRPSOLFDWDRUHFLGLYD
(UQLDRPEHOLFDOHRHSLJDVWULFDFRPSOLFDWDRUHFLGLYD
,QWHUYHQWRSHUHUQLHGLDIUDPPDWLFKH
,QWHUYHQWRLDWDOHFRQIXQGRSOLFDWLR
3HULWRQHR
([HUHVLGLWXPRULGHOORVSD]LRUHWURSHULWRQHDOH
(VRIDJR
,QWHUYHQWLVXOO¶HVRIDJR
5HVH]LRQLSDU]LDOLRWRWDOLVXOO¶HVRIDJR
6WRPDFRGXRGHQR
*DVWURVWRPLD
*DVWURHQWHURVWRPLD
5HVH]LRQHJDVWULFD
*DVWURHFWRPLDWRWDOH
5HVH]LRQHJDVWUR±GXRGHQDOHSHUXOFHUDSHSWLFDSRVWRSHUWRULD
,QWHUYHQWRSHUILVWRODJDVWURGLJLXQRFROLFD
6XWXUDGLSHUIRUD]LRQLJDVWULFKHHLQWHVWLQDOL
You Care - Fascicolo Informativo - Mod. n. 02711/B - ed. 05/2013 - pagina 7 di 25
,QWHVWLQR
(PLFROHFWRPLD
(QWHURVWRPLDDQRDUWLILFLDOHHFKLXVXUD
(QWHURDQDVWRPRVL
5HVH]LRQHGHOWHQXH
5HVH]LRQHLOHRFHFDOH
&ROHFWRPLDWRWDOH
&ROHFWRPLHSDU]LDOL
$SSHQGLFHFWRPLDFRQSHULWRQLWHGLIIXVD
5HWWR$QR
,QWHUYHQWLSHUDVFHVVRGHOFDYRLVFKLRUHWWDOH
,QWHUYHQWLSHUQHRSODVLHSHUUHWWRDQR
2SHUD]LRQHSHUPHJDFRORQ
3URFWRFROHFWRPLDWRWDOH
)HJDWR
'UHQDJJLRGLDVFHVVRHSDWLFR
,QWHUYHQWLSHUHFKLQRFRFFRVL
5HVH]LRQLHSDWLFKH
'HULYD]LRQLELOLRGLJHVWLYH
,QWHUYHQWLVXOODSDSLOODGL:DWHU
5HLQWHUYHQWLVXOOHYLHELOLDUL
,QFDQQXOD]LRQHGHOO
DUWHULDHSDWLFDSHUSHUIXVLRQHDQWLEODVWLFD
,QWHUYHQWLFKLUXUJLFLSHULSHUWHQVLRQHSRUWDOH
(SDWRWRPLD
&ROHGRFRWRPLD
3DSLOORWRPLDSHUYLDWUDQVGXRGHQDOHSHUQHRSODVLH
'HFRQQHVVLRQHD]LJRVSRUWDOHSHUYLDDGGRPLQDOH
3DQFUHDV0LO]D
,QWHUYHQWLSHUSDQFUHDWLWHDFXWD
,QWHUYHQWLSHUFLVWLSVHXGRFLVWLHILVWROHSDQFUHDWLFKH
,QWHUYHQWLSHUSDQFUHDWLWHFURQLFD
,QWHUYHQWLSHUQHRSODVLHSDQFUHDWLFKH
6SOHQHFWRPLD
7RUDFHSDUHWHWRUDFLFD
,QWHUYHQWLSHUWXPRULPDOLJQLGHOODPDPPHOOD
7RUDFRWRPLDHVSORUDWLYD
5HVH]LRQHFRVWDOL
&RUUH]LRQLGLPDOIRUPD]LRQLSDULHWDOL
,QWHUYHQWLVXOPHGLDVWLQR
,QWHUYHQWLSHUDVFHVVL
,QWHUYHQWLSHUWXPRUL
,QWHUYHQWLVXSROPRQHEURQFKLWUDFKHD
,QWHUYHQWLSHUIHULWHGHOSROPRQH
,QWHUYHQWLSHUDVFHVVL
,QWHUYHQWLSHUILVWROHEURQFKLDOL
You Care - Fascicolo Informativo - Mod. n. 02711/B - ed. 05/2013 - pagina 8 di 25
,QWHUYHQWLSHUHFKLQRFRFFR
5HVH]LRQLVHJPHQWDULHHOREHFWRPLD
3QHXPHFWRPLD
3OHXURSQHXPHFWRPLD
7XPRULGHOODWUDFKHD
5HVH]LRQHEURQFKLDOHFRQUHLPSLDQWR
7LPHFWRPLD
&$5',2&+,585*,$(&+,585*,$725$&,&$
7XWWLJOLLQWHUYHQWL
D DFXRUHFKLXVRFRQO¶HVFOXVLRQHGHOOHFRURQDURJUDILHHGHOOHDQJLRSODVWLFKHVHQRQDVVRFLDWHD
SRVL]LRQDPHQWRGLVWHQWRDOWULGLVSRVLWLYLHQGRYDVFRODUL
E DFXRUHDSHUWR
7XWWLJOLLQWHUYHQWLQHRQDWDOLDFXRUHDSHUWRFRQLSRWHUPLDSURIRQGDHDUUHVWRFLUFRODWRULR
,PSLDQWRSDFHPDNHUHQGRFDYLWDULRHGHYHQWXDOHULSRVL]LRQDPHQWR
&RQWURSXOVD]LRQHSHULQIDUWRDFXWRPHGLDQWHLQFDQQXODPHQWRDUWHULRVR
)LVWROHDUWHURYHQRVHSROPRQDUL
,QWHUYHQWRLQLSRWHUPLDSHUFRDUWD]LRQHDRUWLFDVHQ]DFLUFRORFROODWHUDOH
7UDSLDQWRFDUGLDFR
,PSLDQWLGLE\SDVVDRUWRFRURQDULFR
1(852&+,585*,$
7UDSDQD]LRQHFUDQLFDSHUSXQWXUDRGUHQDJJLRYHQWULFRODUH
5HJLVWUD]LRQHGHOODSUHVVLRQHLQWUDFUDQLFD
'HULYD]LRQLOLTXRUDOLLQWUDFUDQLFKHRH[WUDFUDQLFKH
,QWHUYHQWRSHUHQFHIDORPHQLQJRFHOH
,QWHUYHQWRSHUFUDQLRVWHQRVL
$VSRUWD]LRQHWXPRULRVVHLFUDQLFL
,QWHUYHQWLSHUWUDXPLFUDQLRFHUHEUDOL
3ODVWLFKHFUDQLFKHSHUWHVVXWLH[WUDFHUHEUDOLFXWHRVVRGXUDPDGUH
&UDQLRWRPLDSHUHYDFXD]LRQHGLHPDWRPDLQWUDFHUHEUDOHHVXEGXUDOH
&UDQLRWRPLDSHUHYDFXD]LRQHGLHPDWRPDHSLGXUDOH
7UDSDQD]LRQHSHUHYDFXD]LRQHGLHPDWRPDHSLGXUDOHHVXEGXUDOH
5L]RWRPLDFKLUXUJLFDHPLFURGHFRPSUHVVLRQHHQGRFUDQLFDGHLQHUYLFUDQLFL
$QDVWRPRVLHQGRFUDQLFDGHLQHUYLFUDQLFL
7UDWWDPHQWRSHUFXWDQHRGHOODQHYUDOJLDGHOWULJHPLQRHGLDOWULQHUYLFUDQLFL
,QWHUYHQWRVXOODLSRILVL
$VSRUWD]LRQHWXPRULGHOO
RUELWD
$VSRUWD]LRQHGLSURFHVVLHVSDQVLYLHQGRFUDQLFLWXPRULDVFHVVLFLVWLSDUDVVLWDULHHWF
7UDWWDPHQWRFKLUXUJLFRGLUHWWRGLPDOIRUPD]LRQLYDVFRODULLQWUDFUDQLFKH
DQHXULVPLVDFFXODULDQHXULVPLDUWHURYHQRVLILVWROHDUWHURYHQRVH
7UDWWDPHQWRFKLUXUJLFRLQGLUHWWRH[WUDFUDQLFRGLPDOIRUPD]LRQLYDVFRODULLQWUDFUDQLFKH
&KLUXUJLDVWHUHRWDVVLFDGLDJQRVWLFDHWHUDSHXWLFD
,QWHUYHQWRSHUHSLOHVVLDIRFDOHHFDOORVRWRPLD
(PLVIHUHFWRPLD
,QWHUYHQWLFKLUXUJLFLVXOODFHUQLHUDDWODQWRRFFLSLWDOHHVXOFOLYXVSHUYLDDQWHULRUH
You Care - Fascicolo Informativo - Mod. n. 02711/B - ed. 05/2013 - pagina 9 di 25
1HXURWRPLDUHWURJDVVHULDQDVH]LRQHLQWUDFUDQLFDGLDOWULQHUYL
7DODPRWRPLDSDOOLGRWRPLDHGDOWULLQWHUYHQWLVLPLODUL
,QWHUYHQWLFKLUXUJLFLVXOODFHUQLHUDDWODQWRRFFLSLWDOHSHUYLDSRVWHULRUH
$QDVWRPRVLGHLYDVLH[WUDLQWUDFUDQLFLFRQLQWHUSRVL]LRQHGLLQQHVWR
$QDVWRPRVLGHLYDVLH[WUDLQWUDFUDQLFL
&RUUH]LRQHHRVRVWLWX]LRQHGHOOHPDOIRUPD]LRQLGHLYDVLGHOFROOR
(QGRDUWHUHFWRPLDGHOODDFDURWLGHHGHOODDYHUWHEUDOHHGHFRPSUHVVLRQHGHOODYHUWHEUDOHQHOIRUDPHWUDVYHUVDULR
/DPLQHFWRPLDGHFRPSUHVVLYD
$VSRUWD]LRQHGLSURFHVVLHVSDQVLYLGHOUDFKLGHH[WUDLQWUDGXUDOLH[WUDPLGROODUL
7UDWWDPHQWRGLOHVLRQLLQWUDPLGROODULWXPRULVLULQJRPLHOLDDVFHVVLHWF
,QWHUYHQWLSHUWUDXPLYHUWHEURPLGROODULFRQOHVLRQHGHLFRUSLYHUWHEUDOLHRGHOOHVWUXWWXUHPLGROODUL
,QWHUYHQWLSHUWUDXPLYHUWHEURPLGROODULFRQVWDELOL]]D]LRQHFKLUXUJLFD
,QWHUYHQWLSHUPLHORSDWLDFHUYLFDOHRHUQLDGHOGLVFRSHUYLDDQWHULRUHRSRVWHULRUH
6RPDWRWRPLDYHUWHEUDOH
,QWHUYHQWLSHUHUQLDGHOGLVFRGRUVDOHGRYXWHDGLQIRUWXQLR
$VSRUWD]LRQHGLHUQLDGHOGLVFRORPEDUHGRYXWHDGLQIRUWXQLR
,QWHUYHQWLHQGRUDFKLGHLSHUWHUDSLDGHOGRORUHRVSDVWLFLWjRSHUDOWUHDIIH]LRQLPHQLQJRPLGROODULPLHORFHOH
PLHORPHQLQJRFHOHHWF
&RUGRWRPLDHPLHORWRPLDSHUFXWDQHD
$SSOLFD]LRQHGLHOHWWURGLRFDWHWHULHQGRUDFKLGHLSHUWUDWWDPHQWRGHOGRORUHRDOWUR
6WDELOL]]D]LRQHHOHWWURGLRFDWHWHULHQGRUDFKLGHLHDSSOLFD]LRQHVWLPRODWRULRUHVHUYRLUDSHUPDQHQ]D
1HUYLSHULIHULFL
$VSRUWD]LRQHWXPRULGHLQHUYLSHULIHULFL
$QDVWRPRVLH[WUDFUDQLFDGLQHUYLFUDQLFL
,QWHUYHQWLVXLQHUYLSHULIHULFLSHUQHXURUUDILHQHXURWRPLHQHYUHFWRPLHGHFRPSUHVVLYH
,QWHUYHQWLVXOSOHVVREUDFKLDOH
,QWHUYHQWLVXOVLVWHPDQHUYRVRVLPSDWLFR
6LPSDWLFHFWRPLDFHUYLFRWRUDFLFDHORPEDUH
&+,585*,$9$6&2/$5(
6XWXUDDUWHULHSHULIHULFKH
,QWHUYHQWLSHUDQHXULVPLDUWHULRVLRPHUDOHSRSOLWHDIHPRUDOH
,QWHUYHQWLSHUDQHXULVPLDUWHURYHQRVL
/HJDWXUDDUWHULH
6XWXUDGHLJURVVLYDVL
(PEROHFWRPLDHWURPEHFWRPLDDUWHULRVD
,QWHUYHQWLSHUVWHQRVLHGRVWUX]LRQHDUWHULRVH
'LVRVWUX]LRQHHE\SDVVDUWHULRVRSHULIHULFKH
7URPEHFWRPLDYHQRVDSHULIHULFD
D LOLDFD
E FDYD
/HJDWXUDYHQDFDYDLQIHULRUH
5HVH]LRQHDUWHULRVDFRQSODVWLFDYDVDOH
,QWHUYHQWLSHULQQHVWLGLYDVL
2SHUD]LRQLVXOO
DRUWDWRUDFLFDHVXOODDRUWDDGGRPLQDOH
$QDVWRPRVLPHVHQWHULFDFDYD
You Care - Fascicolo Informativo - Mod. n. 02711/B - ed. 05/2013 - pagina 10 di 25
$QDVWRPRVLSRUWDFDYDHVSOHQRUHQDOH
7UDWWDPHQWRFKLUXUJLFRGHOODHOHIDQWLDVLGHJOLDUWL
&+,585*,$3/$67,&$5LFRVWUXWWLYD
*HQHUDOLWj
7UDVIHULPHQWRGLOHPEROLEHURPLFURYDVFRODUH
&UDQLRIDFFLDHFROOR
*UDYLHYDVWHPXWLOD]LRQLGHOYLVR
5LGX]LRQHIDWWXUDRUELWDULD
&UDQLRSODVWLFD
&RORERPH
5DUHGHIRUPLWjFUDQLRIDFFLDOL
/DELRVFKLVLELODWHUDOH
/DELRDOYHRORVFKLVLELODWHUDOH
3DODWRVFKLVLWRWDOH
,QWHUYHQWLGLSXVKEDFKHIDULQJRSODVWLFD
5LGX]LRQHIUDWWXUDPDQGLERODUHFRQRVWHRVLQWHVL
,QWHUYHQWRSHUDQFKLORVLWHPSRURPDQGLERODUH
5LFRVWUX]LRQHGHOODHPLPDQGLEROD
3URJHQLVPRODWHURJQD]LDSURJPDWLVPRSHURJQLWHPSRRSHUDWRULR
3ODVWLFDSHUSDUDOLVLGHOQHUYRIDFFLDOHSHURJQLWHPSRRSHUDWRULR6WDWLFDGLQDPLFD
7RUDFHHGDGGRPH
5LFRVWUX]LRQHPDPPDULDSRVWPDVWHFWRPLDUDGLFDOHSURWHVLHVFOXVH
3ODVWLFDSHULSRVSDGLDHGHSLVSRGLD
3ODVWLFDULFRVWUXWWLYDSHUHVWURILDYHVFLFDOHSHUWHPSRRSHUDWRULR
5LFRVWUX]LRQHYDJLQDOH
&KLUXUJLDGHJOLVWDWLLQWHUVHVVXDOLSHUWHPSRRSHUDWRULR
$UWL
0DOIRUPD]LRQLFRPSOHVVHGHOOHPDQLSHUWHPSRRSHUDWRULR
7UDWWDPHQWRPDQRUHXPDWRLGHSURWHVLHVFOXVH
5LFRVWUX]LRQHGHOSROOLFH
5HLPSLDQWRPLFURFKLUXUJLFRGHOGLWR
1HXURUDIILD
&+,585*,$3(',$75,&$
2SHUD]LRQLSHGLDWULFKHWLSLFKH
&UDQLRELILGRFRQPHQLQJRFHOH
&UDQLRELILGRFRQPHQLQJRHQFHIDORFHOH
&UDQLRVWHQRVL
,GURFHIDORLSHUVHFUHWLYR
)LVWRODDXULVFRQJHQLWD
/LQIDQJLRPDFLVWLFRGHOFROOR
1HXUROLVLGHOSOHVVREUDFKLDOHSHUSDUDOLVLRVWHWULFD
2VWHRWRPLDGHURWDWLYDSHUSDULOLVLRVWHWULFD
3ROPRQHFLVWLFRHSROLFLVWLFROREHFWRPLDSQHXPRQHFWRPLD
You Care - Fascicolo Informativo - Mod. n. 02711/B - ed. 05/2013 - pagina 11 di 25
&LVWLHWXPRULWLSLFLGHOEDPELQRGLRULJLQHEURQFKLDOHHQWHURJHQDHQHUYRVDVLPSDWREODVWRPD
$WUHVLDGHOO
HVRIDJR
)LVWRODFRQJHQLWDGHOO
HVRIDJR
7RUDFHDGLPEXWRHWRUDFHFDUHQDWR
,SHUWHQVLRQHSRUWDOHQHOEDPELQRDSSOLFD]LRQHGLVRQGD7UDWWDPHQWRFKLUXUJLFR
6WHQRVLFRQJHQLWDGHOSLORUR
2FFOXVLRQHLQWHVWLQDOHGHOQHRQDWR
D PDOURWD]LRQHEDQGHFRQJHQLWHYROYROR
E DWUHVLHQHFHVVLWjGLDQDVWRPRVL
F LOHRPHFRQLDOH
LOHRVWRPLDVHPSOLFH
UHVH]LRQHVHFRQGR0LFNXOLF]
UHVH]LRQHFRQDQDVWRPRVLSULPLWLYD
$WUHVLDGHOO
DQRVHPSOLFH
D DEEDVVDPHQWRDGGRPLQRSHULQHDOH
E RSHUD]LRQHSHULQHDOH
$WUHVLDGHOO
DQRFRQILVWRODUHWWRXUHWUDOHRUHWWRYXOYDUH
DEEDVVDPHQWRDGGRPLQRSHULQHDOH
3URODVVRGHOUHWWR
D FHUFKLDJJLRDQDOH
ERSHUD]LRQHDGGRPLQDOH
6WHQRVLFRQJHQLWDGHOO
DQR
D SODVWLFDGHOO
DQR
7HUDWRPDVDFURFRFFLJHR
0HJDXUHWHUH
D UHVH]LRQHFRQUHLPSLDQWR
E UHVH]LRQHFRQVRVWLWX]LRQHGLDQVDLQWHVWLQDOH
1HIUHFWRPLDSHUWXPRUHGL:LOOPV
6SLQDELILGD
D PHQLQJRFHOH
E PLHORPHQLQJRFHOH
0HJDFRORQ
D FRORVWRPLD
E UHVH]LRQHDQWHULRUH
F RSHUD]LRQHDGGRPLQRSHULQHDOHGL%XKDPHOR6ZHQVRQ
(VRQIDOR
)LVWROHHFLVWLGHOO
RPEHOLFR
D GHOO
XUDFR
E GHOFDQDOHRQIDORPHVHQWHULFRFRQUHVH]LRQHLQWHVWLQDOH
25723(',$(75$80$72/2*,$
5LGX]LRQHFUXHQWDGLIUDWWXUHOXVVD]LRQLGHOODFRORQQDYHUWHEUDOH
5HVH]LRQLRVVHH
$PSXWD]LRQL
D PHGLVHJPHQWL
E JUDQGLVHJPHQWL
You Care - Fascicolo Informativo - Mod. n. 02711/B - ed. 05/2013 - pagina 12 di 25
3VHXGRDUWURVL
DJUDQGLVHJPHQWL
7UDWWDPHQWRGHOOHSVHXGRDUWURVLFRQODWHFQLFDGHOODFRPSUHVVLRQHGLVWUD]LRQH
&RVWUX]LRQHGLPRQFRQLFLQHPDWLFL
,QWHUYHQWLSHUFRVWRODFHUYLFDOH
6FDSXORSHVVL
$VSRUWD]LRQHGLWXPRULRVVHL
7UDSLDQWLRVVHLRSURWHVLGLDILVDULH
3VHXGRDUWURVLGLWLELD
7UDWWDPHQWRGHOOHGLVPHWULHHGHOOHGHYLD]LRQLGHJOLDUWLFRQLPSLDQWLHVWHUQL
%LRSVLDWUDQVSHGXQFRODUHGHLVRPLYHUWHEUDOL
5HVH]LRQLDUWLFRODUL
5HVH]LRQHGLFRUSLYHUWHEUDOLVRPDWHFWRPLD
5HVH]LRQLGHOVDFUR
2VWHRVLQWHVLUDFKLGHHFRQSODFFKHHYLWLWUDQVSHGXQFRODUL
/DPLQHFWRPLDGHFRPSUHVVLYDVHQ]DVLQWHVL
'LVDUWLFROD]LRQLPHGLDJUDQGH
'LVDUWLFROD]LRQHLQWHUVFDSRORWRUDFLFD
5HVH]LRQLFRPSOHWHGLVSDOODRPHURVFDSXORFODYHDULVHF7LNKRU/LPEHUJFRQVDOYDWDJJLRGHOO
DUWR
5HVH]LRQLDUWURGLDILVDULHGHOO
RPHURSURVVLPDOHHVRVWLWX]LRQHFRQSURWHVLPRGXODUL
FXVWRPPDGH
5HVH]LRQLGHOUDGLRGLVWDOH
D DUWURGHVL]]DQWL
E FRQWUDSLDQWRDUWLFRODUHSHURQHSURUDGLR
(PLSHOYHFWRPLD
(PLSHOYHFWRPLHLQWHUQHVHF(QQHNLQJFRQVDOYDWDJJLRGHOO
DUWR
5HVH]LRQLGHOIHPRUHSURVVLPDOHDUWURGLDILVDULDHVRVWLWX]LRQHFRQSURWHVLVSHFLDOL
FHPHQWDWHRQRPRGXODULRQR
5HVH]LRQLDUWURGLDILVDULHGHOJLQRFFKLR
D DUWURGHVL]]DQWLWUDSLDQWRRFHPHQWRLQILEXORIHPRUHWLELDOH
E VRVWLWX]LRQLFRQSURWHVLPRGXODULRFXVWRPPDGH
6YXRWDPHQWRGLIRFRODLPHWDVWDWLFLHGDUPDWXUDFRQVLQWHVLFHPHQWR
6LQRYLDOHFWRPLHDUWLFRODULPHGLHDUWLFROD]LRQLJUDQGLDUWLFROD]LRQL
$UWURSODVWLFKHFRQPDWHULDOHELRORJLFR
D SLFFROH
E PHGLH
F JUDQGL
3ODVWLFDSHUOXVVD]LRQLUHFLGLYDQWLJLQRFFKLR
5LFRVWUX]LRQHGHLOHJDPHQWLDUWLFRODWL
$SSOLFD]LRQHGHLFRPSUHVVRUL
$UWURGHVL
D PHGLHSLHGLSROVRJRPLWR
E JUDQGLVSDOODDQFDJLQRFFKLR
$UWUROLVLJLQRFFKLRSLHGH
5LGX]LRQHFUXHQWDOXVVD]LRQHFRQJHQLWDDQFD
2VWHRWRPLDGLEDFLQR6DOWHU&KLDULWULSOLFHRVWHRWRPLD
You Care - Fascicolo Informativo - Mod. n. 02711/B - ed. 05/2013 - pagina 13 di 25
,QWHUYHQWRGLFR[ROLVL
3URWHVLWRWDOHGLVSDOOD
$UWURSURWHVLGLDQFDGRYXWDDQHRSODVLDRLQIRUWXQLRFRQIUDWWXUDROXVVD]LRQHGHOOHVWUXWWXUHRVWHR±DUWLFRODUL
3URWHVLWRWDOHGLGLVSODVLDG
DQFD
,QWHUYHQWRGLULPR]LRQHGLSURWHVLG
DQFD
,QWHUYHQWRGLULPR]LRQHHUHLPSLDQWRGLSURWHVLG
DQFDGRYXWDDQHRSODVLDRLQIRUWXQLRFRQIUDWWXUDROXVVD]LRQH
GHOOHVWUXWWXUHRVWHR±DUWLFRODUL
$UWURSURWHVLGLJLQRFFKLRGRYXWDDQHRSODVLDRLQIRUWXQLRFRQIUDWWXUDROXVVD]LRQHGHOOHVWUXWWXUHRVWHR±DUWLFRODUL
$UWURSURWHVLGLJRPLWRGRYXWDDQHRSODVLDRLQIRUWXQLRFRQIUDWWXUDROXVVD]LRQHGHOOHVWUXWWXUHRVWHR±DUWLFRODUL
(QGRSURWHVLGL7KRPSVRQGRYXWDDQHRSODVLDRLQIRUWXQLRFRQIUDWWXUDROXVVD]LRQHGHOOHVWUXWWXUHRVWHR±DUWLFRODUL
3URWHVLFHIDOLFDGLVSDOODGRYXWDDQHRSODVLDRLQIRUWXQLRFRQIUDWWXUDROXVVD]LRQHGHOOHVWUXWWXUHRVWHR±DUWLFRODUL
3URWHVLGLSROVRGRYXWDDQHRSODVLDRLQIRUWXQLRFRQIUDWWXUDROXVVD]LRQHGHOOHVWUXWWXUHRVWHR±DUWLFRODUL
(PLDUWURSODVWLFD
9HUWHEURWRPLD
,QWHUYHQWRGLHUQLDGLVFRLQWHUYHUWHEUDOHGRYXWDDGLQIRUWXQLR
%LRSVLDYHUWHEUDOHDFLHORDSHUWR
'LVFHFWRPLDSHUYLDDQWHULRUHSHUHUQLDFHUYLFDOHGRYXWDDGLQIRUWXQLR
8QFRIRUDPLQRWRPLD
&RUSRUHFWRPLDSHUYLDDQWHULRUHFRQWUDSLDQWRDXWRSODVWLFRDSRQWHQHOODPLFORSDWLDFHUYLFDOH
2VWHRVLQWHVLYHUWHEUDOH
3XOL]LDIRFRODLRVWHLWLFL
$UWURGHVLSHUYLDDQWHULRUH
,QWHUYHQWLSHUYLDSRVWHULRUH
D VHQ]DLPSLDQWL
E FRQLPSLDQWL
,QWHUYHQWLSHUYLDDQWHULRUH
D VHQ]DLPSLDQWL
E FRQLPSLDQWL
7HQGLQL0XVFROL$SRQHYURVL
7UDSLDQWLWHQGLQHLHPXVFRODUL
7HQRWRPLDELSRODUHSHUWRUFLFROORPLRJHQRFRQJHQLWR
'HIRUPLWjGHOOHPDQLHGHLSLHGLVLQGDWWLOLDSROLGDWWLOLDHVLPLOL
,PSLDQWLIOHVVLELOLHV6ZDQVRQ0DEDXHUSROVRHPDQR
6LQGHVPRWRPLD
3ODVWLFKHULSDUDWULFLULFRVWUXWWLYHGHJOLDUWLSHUOHVLRQLDOOHVXSHUILFLIOHVVRULHHHVWHQVRULH
UHWUD]LRQHFLFDWUL]LDOH'XSX\WUHQHVLWLGLIORJRVLWUDXPLHWFSHUWHPSRRSHUDWRULR
3ROOLFL]]D]LRQHGHOƒRDOWURGLWRSHUWHPSRRSHUDWLYR
852/2*,$
5HQH
'HFDSVXOD]LRQH
1HIURSHVVL
/RPERWRPLD
/RPERWRPLDSHUELRSVLDFKLUXUJLFD
/RPERWRPLDSHUDVFHVVLSDUDUHQDOL
You Care - Fascicolo Informativo - Mod. n. 02711/B - ed. 05/2013 - pagina 14 di 25
1HIUHFWRPLDVHPSOLFH
1HIUHFWRPLDSDU]LDOHSHUQHRSODVLDPDOLJQD
1HIUHFWRPLDDOODUJDWDSHUWXPRUH
1HIUHFWRPLDDOODUJDWDSHUWXPRUHFRQHPEROHFWRPLD
5HVH]LRQHUHQDOHFRQFODPSDJJLRYDVFRODUH
1HIURWRPLDELYDOYHLQLSRWHUPLDWHFQLFDQXRYD
1HIURXUHWHUHFWRPLDWRWDOH
1HIURVWRPLDRSLHORVWRPLD
3LHORWRPLD
3LHORXUHWHURSODVWLFDWHFQLFKHQXRYH
7UDSLDQWRUHQDOH
6XUUHQH
6XUUHQDOHFWRPLD
8UHWHUH
8UHWHURSODVWLFD
8UHWHUROLVL
8UHWHURFLVWRQHRVWRPLDPRQRODWHUDOH
8UHWHURFLVWRQHRVWRPLDFRQSODVWLFDGLULGX]LRQHGHOO
XUHWHUH
8UHWHURFLVWRQHRVWRPLDFRQSVRL]]D]LRQHYHVFLFDOH
6RVWLWX]LRQHGHOO
XUHWHUHFRQDQVDLQWHVWLQDOH
8UHWHURVLPRLGRVWRPLDXQLRELODWHUDOH
9HVFLFD
5HVH]LRQLYHVFLFDOLDSDVWLJOLDFRQUHLPSLDQWRXUHWHUDOH
(PLWULJRQHFWRPLD
,OHREODGGHU
&LVWRSURVWDWRYHVFLFROHFWRPLDFRQXUHWHURVLQJPRLGRVWRPLD
&LVWRSURVWDWRYHVFLFROHFWRPLDFRQQHRYHVFLFDUHWWDOH
&LVWRSURVWDWRYHVFLFROHFWRPLDFRQLOHREODGGHU
3ODVWLFKHGLDPSOLDPHQWRYHVFLFDOHFRQDQVHLQWHVWLQDOL
5LSDUD]LRQHGLILVWRODYHVFLFRLQWHVWLQDOH
&LVWRSURVWDWRYHVFLFROHFWRPLDFRQXUHWHURLOHRXUHWURDQDVWRPRVL
'LYHUWLFROHFWRPLDFRQ8&1
5LSDUD]LRQHILVWROHYHVFLFRYDJLQDOL
&HUYLFRFLVWRSHVVLRFROSRVRVSHQVLRQH
,OHRH?RFRORQFLVWRSODVWLFKH
5LSDUD]LRQHYHVFLFDHVWURILFDFRQQHRYHVFLFDUHWWDOH
3URVWDWD
/LQIDGHQHFWRPLDORFRUHJLRQDOHGLVWDJLQJSHUFDSURVWDWLFR
3URVWDWHFWRPLDUDGLFDOHH[WUDSRQHXURWLFDQHUYHVSDUULQJSHUQHRSODVLDPDOLJQD
8UHWUD
3ODVWLFKHGLULFRVWUX]LRQHSHULSRVSDGLD
8UHWUHFWRPLD
$SSDUDWRJHQLWDOHPDVFKLOH
$PSXWD]LRQHWRWDOHGHOSHQH
2UFKLGRSHVVLELODWHUDOH
You Care - Fascicolo Informativo - Mod. n. 02711/B - ed. 05/2013 - pagina 15 di 25
2UFKLIXQLFXOHFWRPLDSHUYLDLQJXLQDOH
$QDVWRPRVLHSLGLGLPRGHIHUHQ]LDOHRULFDQDOL]]D]LRQHGHOGHIHUHQWHFRQWHFQPLFURFKLUXUJLFD
5LSDUD]LRQHILVWROHVFURWDOLRLQJXLQDOL
/LQIRDGHQHFWRPLDUHWURSHULWRQHDOHELODWHUDOHSHUQHRSODVLDWHVWLFRODUL
2UFKLHFWRPLDDOODUJDWDSHUWXPRUH
267(75,&,$
7UDVIXVLRQLLQWUDXWHULQH
5LYROJLPHQWRHGHVWUD]LRQHSRGDOLFD
/DSDURWRPLDSHUJUDYLGDQ]DH[WUDXWHULQD
*,1(&2/2*,$
,QWHUYHQWLVXOO
RYDLRHVDOSLQJLSHUQHRSODVLDPDOLJQDDQQHVVLHFWRPLDDVSRUWD]LRQHGLVDFWRVDOSLQJHWXPRUL
VROLGLUHVH]LRQHRYDULFD
&ROSRLVWHUHFWRPLDFRQRVHQ]DDQQHVVLHFWRPLDSHUQHRSODVLDPDOLJQD
,VWHUHFWRPLDWRWDOHSHUYLDODSDURWRPLFDFRQRVHQ]DDQQHVVLHFWRPLDSHUQHRSODVLDPDOLJQD
0HWURSODVWLFDSHUYLDODSDURWRPLFD
6DOSLQJRSODVWLFD
9XOYHFWRPLDUDGLFDOH
/DSDUDWRPLDSHUFRQWUROORHYROX]LRQHFDRYDLRƒORRN
&UHD]LRQHGLFRQGRWWRYDJLQDOHFRQLQVHULPHQWRGLSURWHVLRFRQULYHVWLPHQWRHSLGHUPLFR
5LSDUD]LRQHFKLUXUJLFDGLILVWROD
D XUHWHUDOH
E YHVFLFRYDJLQDOH
F UHWWRYDJLQDOH
,VWHUHFWRPLDUDGLFDOHFRQOLQIRDGHQHFWRPLDSHUWXPRULPDOLJQLSHUYLDDGGRPLQDOH
,VWHUHFWRPLDUDGLFDOHSHUWXPRULPDOLJQLSHUYLDYDJLQDOH
9XOYHFWRPLDDOODUJDWDFRQOLQIRDGHQHFWRPLD
,QWHUYHQWRUDGLFDOHSHUFDUFLQRPDRYDULFR
&UHD]LRQHRSHUDWRULDGLYDJLQDDUWLILFLDOHFRQXWLOL]]D]LRQHGHOVLJPD
2&8/,67,&$
7UDSLDQWRFRUQHDOHDWXWWRVSHVVRUH
2GRQWRFKHUDWRSURWHVL
2UELWD
2SHUD]LRQHGL.URHQOHLQRGRUELWRWRPLD
2SHUD]LRQLSHU*ODXFRPD
7UDEHFXOHFWRPLD
,GURFLFORUHWUD]LRQH
5HWLQD
,QWHUYHQWRGLGLVWDFFR
)RWRFRDJXOD]LRQHODVHUSDQUHWLQLFDQHOODUHWLQRSDWLDDQFKHVHLQSLVHGXWH
5HVH]LRQHVFOHUDOH
&HUFKLDJJLRRSLRPEDJJLR
%XOERRFXODUH
(QXFOHD]LRQHH[HQWHUDWLR
You Care - Fascicolo Informativo - Mod. n. 02711/B - ed. 05/2013 - pagina 16 di 25
(VWUD]LRQHGLFRUSRHVWUDQHRHQGREXOEDUHQRQFDODPLWDELOH
9DULH
9LWUHFWRPLD
(SLVFKHUDWRSODVWLFD
7UDWWDPHQWRODVHUSHUQHRIRUPD]LRQHLULGHD
2725,12/$5,1*2,$75,$
2UHFFKLRHVWHUQR
$WUHVLDDXULVFRQJHQLWDULFRVWUX]LRQH
([HUHVLGLQHRSODVLDGHOSDGLJOLRQHFRQVYXRWDPHQWROLQIRJKLDQGRODUH
2UHFFKLRPHGLRHGLQWHUQR
6YXRWDPHQWRSHWURPDVWRLGHRFRQLQQHVWRGHUPRHSLGHUPLFR
7UDWWDPHQWRGHOOHSHWURVLWLVXSSXUDWH
/HJDWXUDGHOODYHQDJLXJXODUHSUHYLDPDVWRLGRWRPLD
$SHUWXUDGLDVFHVVRFHUHEUDOH
5LFRVWUX]LRQHGHOODFDWHQDRVVLFXODUH
'LVWUX]LRQHGHOODELULQWR
&KLUXUJLDGHOOD6LQGURPHGL0qQLqUH
&KLUXUJLDGHOVDFFRHQGROLQIDWLFR
&KLUXUJLDGHOQHUYRIDFFLDOHQHOWUDWWRLQIUDWHPSRUDOH
$QDVWRPRVLHWUDSLDQWLQHUYRVL
6H]LRQHGHOQHUYRFRFOHDUH
6H]LRQHGHOQHUYRYHVWLERODUH
1HXULQRPDGHOO
9,,,SDLR
$VSRUWD]LRQHGLWXPRULGHOO
RUHFFKLRPHGLR
$VSRUWD]LRQHGLWXPRULGHOWHPSRUDOH
$VSRUWD]LRQHGLWXPRULHFROHVWHDWRPLGHOODURFFDSHWURVD
1DVRHVHQLSDUDQDVDOL
2SHUD]LRQHUDGLFDOHSHUVLQXVLWHPDVFHOODUH
6YXRWDPHQWRHWPRLGHSHUYLDWUDQVPDVFHOODUH
2SHUD]LRQHUDGLFDOHSHUVLQXVLWHIURQWDOH
7UDWWDPHQWRFKLUXUJLFRGLPXFRFHOHIURQWRHWPRLGDOH
$VSRUWD]LRQHGLWXPRULPDOLJQLGHOQDVRHGHLVHQL
$SHUWXUDGHOVHQRVIHQRLGDOH
,QWHUYHQWRSHUILEURPDGXURULQRIDULQJHR
&KLUXUJLDGHOODIRVVDSWHULJRPDVFHOODUH
&DYRRUDOHHIDULQJH
7XPRULSDUDIDULQJHL
7XPRULPDOLJQLGLDOWUHVHGLWRQVLOOHHWF
,GHPFRQVYXRWDPHQWRODWHURFHUYLFDOH
,QWHUYHQWLGHPROLWLYLSHUWXPRULPDOLJQLGHOODOLQJXDHGHOSDYLPHQWRRUDOHFRQVYXRWDPHQWRGHOOHORJJH
VRWWRPDVFHOODUL
*KLDQGROHVDOLYDUL
$VSRUWD]LRQHJKLDQGRODVDOLYDUHVRWWRPDVFHOODUHSHUYLDHQGRUDOHSHUQHRSODVLH
You Care - Fascicolo Informativo - Mod. n. 02711/B - ed. 05/2013 - pagina 17 di 25
$VSRUWD]LRQHGHOODSDURWLGHSHUQHRSODVLH
3DURWLGHFWRPLDWRWDOHFRQSUHSDUD]LRQHGHOIDFFLDOHSHUQHRSODVLH
/$5,1*(75$&+($%521&+,(62)$*2
/DULQJH
&RUGHFWRPLDSHUYLDWLURWRPLFD
/DULQJHFWRPLDSDU]LDOH
/DULQJHFWRPLDVRSUDJORWWLFD
/DULQJHFWRPLDWRWDOH
/DULQJHFWRPLDULFRVWUXWWLYD
/DULQJRIDULQJHFWRPLD
,QWHUYHQWLSHUSDUDOLVLGHJOLDEGXWWRUL
&ROORYHGHUHDQFKH&KLUXUJLDJHQHUDOH
6XWXUDGLIHULWHSURIRQGHFRQLQWHUHVVDPHQWRGHOWXERODULQJRWUDFKHDOHRGHOO
HVRIDJRFHUYLFDOH
,QWHUYHQWRSHUODULQJRFHOH
$VSRUWD]LRQHGLGLYHUWLFRORHVRIDJHR
(VRIDJRWRPLDFHUYLFDOH
7LURLGHFWRPLDSDU]LDOHVRORSHUSDWRORJLDWXPRUDOHPDOLJQD
7LURLGHFWRPLDWRWDOHSHUSDWRORJLDWXPXUDOHPDOLJQD
6YXRWDPHQWRVRWWRPDQGLERODUHXQLODWHUDOH
6YXRWDPHQWRVRWWRPDQGLERODUHELODWHUDOH
6YXRWDPHQWRODWHURFHUYLFDOHXQLODWHULDOH
6YXRWDPHQWRODWHURFHUYLFDOHELODWHUDOH
&KLXVXUDGLIDULQJRVWRPD
&KLXVXUDGLILVWRODHVRIDJHD
3ODVWLFKHODULQJRWUDFKHDOL
/HJDWXUDGLJURVVLYDVL
$VSRUWD]LRQHGLWXPRULJORPLFLWLPSDQRJLXJXODUL
6720$72/2*,$DVFRSRULFRVWUXWWLYRVRORDVHJXLWRGLLQIRUWXQLRSXUFKpO¶LQIRUWXQLRVLDFHUWLILFDWRGD
SURQWRVRFFRUVRRDQDORJDVWUXWWXUDRVSHGDOLHUDFXLVLVLDIDWWRLPPHGLDWRULFRUVR
,QQHVWRDXWRJHQRVLWRPXOWLSORLQFOXVROHPERGLDFFHVVR
,QQHVWRGLPDWHULDOHELRFRPSDWLELOHVLWRVLQJROR
,QQHVWRGLPDWHULDOHELRFRPSDWLELOHVLWRPXOWLSOR
3527(6,DVFRSRULFRVWUXWWLYRVRORDVHJXLWRGLLQIRUWXQLRSXUFKpO¶LQIRUWXQLRVLDFHUWLILFDWRGDSURQWR
VRFFRUVRRDQDORJDVWUXWWXUDRVSHGDOLHUDFXLVLVLDIDWWRLPPHGLDWRULFRUVR
3URWHVLILVVD
&RURQDDJLDFFDLQFHUDPLFDYHWURVDHDOOXPLQD
&RURQDRURFHUDPLFDIUHVDWD
3URWHVLPRELOH
3URWHVLPRELOHWRWDOHSHUDUFDWDFRQGHQWLLQUHVLQD
3URWHVLPRELOHWRWDOHSHUDUFDWDFRQGHQWLLQSRUFHOODQD
3URWHVLVFKHOHWUDWDLQOHJDSUH]LRVD
&+,585*,$0$;,//2)$&&,$/(
,QFUHPHQWRGHOODFUHVWDDOYHRODUHPHGLDQWHPDWHULDOLDOORSODVWLFLSHUDUFDWD
You Care - Fascicolo Informativo - Mod. n. 02711/B - ed. 05/2013 - pagina 18 di 25
2VWHRDUWURWRPLDDQFKLORVL$70
)UDWWXUDGHOFRQGLORHGHOFRURQRLGHWUDWWDPHQWRFKLUXUJLFRRUWRSHGLFR
)UDWWXUDGHLPDVFHOODULHVFOXVDDSSDUHFFKLDWXUDWHUDSLDFKLUXUJLFD
)UDWWXUDGHO,,,VXSHULRUHGHOODIDFFLD1()FRQVFDOSR
2SHUD]LRQHGHPROLWULFHGHOPDVVLFFLRIDFFLDOHFRQVYXRWDPHQWRRUELWDOH
2VWHRVLQWHVL
7HUDSLDFKLUXUJLFDSRVWWUDXPDWLFDGHOOHPDOIRUPD]LRQLPD[LOORIDFFLDOLSURJHQLVPRSURJQDWLVPR
ODWHURGHYLD]LRQHPDQGLERODUHPRUVXVDSHUWXVPLFURJQD]LHUHWUXVLRQLLQIHULRULHVXSHULRUL
0HQWRSODVWLFDGLDYDQ]DPHQWRGLDUUHWUDPHQWRGLDEEDVVDPHQWRHFF
3ODVWLFKHSHUSDUDOLVLIDFFLDOL
D VWDWLFD
E GLQDPLFD
F SHUWHPSRRSHUDWRULR
3XVKEDFKHIDULQJRSODVWLFD
*5$9,(9(17,025%26,
6LFRQVLGHUDQR*UDYH(YHQWRPRUERVROHVHJXHQWLSDWRORJLH
'LDEHWHFRPSOLFDWRFDUDWWHUL]]DWRGDDOPHQRGXHWUDOHVHJXHQWLPDQLIHVWD]LRQL
ƒ XOFHUHWRUSLGHHGHFXELWL
ƒ VRYULQIH]LRQL
ƒ LQIH]LRQLXURJHQLWDOL
ƒ LSHUWHQVLRQHLQVWDELOH
ƒ QHXURSDWLH
ƒ YDVFXORSDWLHSHULIHULFKH
,QVXIILFLHQ]DFDUGLDFDDODELOHFRPSHQVRFDUDWWHUL]]DWDGDDOPHQRGXHWUDOHVHJXHQWLPDQLIHVWD]LRQL
ƒ GLVSQHD
ƒ HGHPLGHFOLYLHVWDVLSROPRQDUH
ƒ LSRVVLHPLD
ƒ DULWPLH
&DUGLRSDWLDLVFKHPLFD
,QVXIILFLHQ]DFDUGLDFDFRQJHVWL]LD
$QJLQDLQVWDELOH
$ULWPLHJUDYL
,QIDUWRHFRPSOLFDQ]H
,QVXIILFLHQ]DUHVSLUDWRULDFDUDWWHUL]]DWDGDDOPHQRWUDOHVHJXHQWLPDQLIHVWD]LRQL
ƒ DFXWD
ƒ HGHPDSROPRQDUH
ƒ FURQLFDLQWUDWWDPHQWRULDELOLWDWLYR
ƒ FRQRVVLJHQRWHUDSLDGRPLFLOLDUHFRQWLQXD
ƒ FRQYHQWLOD]LRQHGRPLFLOLDUH
ƒ FURQLFDULDFXWL]]DWD
,QVXIILFLHQ]DUHQDOHDFXWD
,QVXIILFLHQ]DUHQDOHFURQLFDLQWUDWWDPHQWRGLDOLWLFRHPRGLDOLWLFRRSHULWRQHDOH
1HRSODVLHPDOLJQHDFFHUWDPHQWLHFXUH
*UDYLWUDXPDWLVPLVHFRQWURLQGLFDWRLQWHUYHQWRFKLUXUJLFRFRPSRUWDQWLLPPRELOL]]D]LRQLVXSHULRULD
JLRUQL
You Care - Fascicolo Informativo - Mod. n. 02711/B - ed. 05/2013 - pagina 19 di 25
*UDYLRVWHRDUWURSDWLHHFROODJHQRVLFRQJUDYLOLPLWD]LRQLIXQ]LRQDOLFKHFRPSRUWLQRDQFKLORVLRULJLGLWj
DUWLFRODULVXSHULRULDO
3DWRORJLHQHXURPXVFRODULHYROXWLYH
7HWUDSOHJLD
6FOHURVLPXOWLSOD
6FOHURVLODWHUDOHDPLRWURILFD
±0LRSDWLH0LDVWHQLD
8VWLRQLJUDYLWHU]RJUDGRFRQHVWHQVLRQLDOPHQRSDULDOGHOFRUSR
9DVFXORSDWLHLVFKHPLFRHPRUUDJLFRFHUHEUDOL
0RUERGL3DUNLQVRQSXUFKqFDUDWWHUL]]DWRGDPDUFDWDULGX]LRQHGHOO
DWWLYLWjPRWRULDHGDOPDQWHQLPHQWRFRQ
GLIILFROWjGHOODVWD]LRQHHUHWWD
6WDWRGLFRPD
±$O]KHLPHUGLDJQRVWLFDWRFOLQLFDPHQWH
You Care - Fascicolo Informativo - Mod. n. 02711/B - ed. 05/2013 - pagina 20 di 25
6(=,21(,,$66,&85$=,21($66,67(1=$
/D6RFLHWjVLDYYDOHSHUODJHVWLRQHHO¶HURJD]LRQHGHOOHSUHVWD]LRQLGHOOD6WUXWWXUD2UJDQL]]DWLYDGL(XURS
$VVLVWDQFH,WDOLD6S$±3]]D7UHQWRQ±0LODQR
&21',=,21,*(1(5$/,',6(=,21(
6RJJHWWL$VVLFXUDWL
2OWUH DOO¶$VVLFXUDWR OH FRSHUWXUH SRVVRQR HVVHUH HVWHVH DO &RQLXJH DO &RQYLYHQWH PRUH X[RULR HG DL ILJOL
ILVFDOPHQWHDFDULFR
$57±0HGLFDO$GYLFH3URJUDP0$3
6L WUDWWD GL XQD SUHVWD]LRQH FKH FRQVHQWH GL XVXIUXLUH GL FRQVXOHQ]H JHQHULFKH H VSHFLDOLVWLFKH QRQFKp GL
RWWHQHUHXQDYDOXWD]LRQHFOLQLFRGLDJQRVWLFDLQXQDPSLRVSHWWURGLSDWRORJLHVXFDVLFKHFRPSRUWDQRXQ
GXEELRGLDJQRVWLFRHRWHUDSHXWLFR
/DSUHVWD]LRQHYLHQHHURJDWDXWLOL]]DQGRXQDUHWHGL0HGLFL6SHFLDOLVWLH&HQWUL&OLQLFLGLSULPDULDLPSRUWDQ]D
LQWHUQD]LRQDOH
/D SUHVWD]LRQH SUHVXSSRQH XQD SULPD LPSRVWD]LRQH FOLQLFD IDWWD GDO PHGLFR FXUDQWH H OD QHFHVVLWj GL
RWWHQHUHXQSDUHUHGDSDUWHGLVSHFLDOLVWLLWDOLDQLHGLQWHUQD]LRQDOLGHOODPDWHULD
/DSUHVWD]LRQHqHURJDWDGD6(59,&(WUDPLWHOD&HQWUDOHGL7HOHPHGLFLQDXWLOL]]DQGRXQVLVWHPDWHOHPDWLFR
GLFRPXQLFD]LRQHGHLGDWLFOLQLFRGLDJQRVWLFLSUHYHQWLYDPHQWHLQYLDWHGDOO¶$VVLFXUDWRFKHVLFROOHJDFRQLO
&HQWUR0HGLFRGL5LIHULPHQWR
3HULFDVLFOLQLFLSLFRPSOHVVLLOVHUYL]LRSXzFRQWDUHVXOO¶LPSLHJRGLXQVLVWHPDGLYLGHRFRQIHUHQ]DRSHUDWLYR
VROR LQ ,WDOLD FKH FRQVHQWH LO FRQVXOWR LQ WHPSR UHDOH WUD JOL VSHFLDOLVWL LWDOLDQL HG LQWHUQD]LRQDOL H FRQ
O¶HYHQWXDOHDXVLOLRGHOO¶HTXLSHPHGLFDGHOOD&HQWUDOHGL7HOHPHGLFLQDLPHGLFLFXUDQWLGHOO¶$VVLFXUDWR
,QDOFXQLFDVLVXULFKLHVWDVSHFLILFDGHL&HQWUL0HGLFLGL5LIHULPHQWRqSUHYLVWDXQDYLVLWDVSHFLDOLVWLFDSUHVVR
L&HQWULVWHVVLHGLOSDJDPHQWRGHOOHVSHVHGLWUDVIHULPHQWRHDOORJJLRGHOSD]LHQWH
$UW±(URJD]LRQHGHOODSUHVWD]LRQH
4XDORUD O¶$VVLFXUDWR DEELD XQ¶ DOWHUD]LRQH GHOOR VWDWR GL VDOXWH SHU OD TXDOH q JLj VWDWD IRUPXODWD XQD
GLDJQRVLRXQDSSURFFLRWHUDSHXWLFRHGHVLGHUDULFKLHGHUHXQDSSURIRQGLPHQWRRXQDVHFRQGDYDOXWD]LRQH
FOLQLFR GLDJQRVWLFD YHUUj DWWUDYHUVR JOL RSHUDWRUL GHOOD 6WUXWWXUD 2UJDQL]]DWLYD PHVVR LQ FRQWDWWR FRQ OD
&HQWUDOHGL7HOHPHGLFLQDFKHSUHYLRFRQWDWWRWHOHIRQLFRFRQO
$VVLFXUDWRJOLRIIULUjODSRVVLELOLWjGLRWWHQHUHOH
FRQVXOHQ]H PHGLFKH VSHFLDOLVWLFKH GL FXL QHFHVVLWD QRQFKp O¶HURJD]LRQH GL XQ VHFRQGR SDUHUH PHGLFR
DYYDOHQGRVLGHOO
HVSHULHQ]DGL&HQWUL0HGLFLTXDOLILFDWLIDFHQWLSDUWHGHO1HWZRUN6DOXWH
$UW±2EEOLJKLGHOO¶$VVLFXUDWR
/¶$VVLFXUDWR GRYUj WHOHIRQDUH DOOD 6WUXWWXUD 2UJDQL]]DWLYD FKH OR PHWWHUj LQ FRQWDWWR FRQ OD &HQWUDOH GL
7HOHPHGLFLQDFXLVSLHJKHUjLOFDVRFOLQLFRSHULOTXDOHULFKLHGHLOVHFRQGRSDUHUHGDSDUWHGHJOLVSHFLDOLVWLGHL
&HQWUL0HGLFL4XDOLILFDWLGHO1HWZRUN6DOXWH
$UW±&RQVXOHQ]D0HGLFDGLVHFRQGROLYHOOR
, 0HGLFL GHOOD &HQWUDOH GL 7HOHPHGLFLQD YDOXWDWD OD ULFKLHVWD GHOO¶$VVLFXUDWR HIIHWWXDQR FRQ TXHVWR
O¶LQTXDGUDPHQWR GHO FDVR HYHQWXDOPHQWH FROORTXLDQGR DQFKH FRQ L PHGLFL FXUDQWL ,Q TXHVWD IDVH VDUDQQR
DWWLYDWH FRQVXOHQ]H PHGLFKH GL WLSR JHQHULFR R VSHFLDOLVWLFR H SRWUj HVVHUH GHILQLWD GRYH ULFKLHVWD XQD
FRQVXOHQ]DGLRULHQWDPHQWRSHUDFFHUWDPHQWLVSHFLILFL&KHFNXS
You Care - Fascicolo Informativo - Mod. n. 02711/B - ed. 05/2013 - pagina 21 di 25
$UW±$WWLYD]LRQHGHOODUHWHQD]LRQDOHGL³&HQWULGLHFFHOOHQ]D´
$ VHJXLWR GHO FRQWDWWR WHOHIRQLFR H SUHYLD YDOXWD]LRQH SRVLWLYD GHL PHGLFL GHOOD 6WUXWWXUD 2UJDQL]]DWLYD VL
SURFHGHUjDOODUDFFROWDGHOODGRFXPHQWD]LRQHFOLQLFDHGLDJQRVWLFDQHFHVVDULDDOODGLJLWDOL]]D]LRQHGLWXWWRLO
PDWHULDOHGLDJQRVWLFRHGDOO¶HODERUD]LRQHGHLTXHVLWLFKHYHUUDQQRVRWWRSRVWLDL0HGLFL6SHFLDOLVWLGHL³&HQWUL
GL HFFHOOHQ]D´ 7XWWL L GDWL FOLQLFL VDUDQQR WUDVPHVVL DWWUDYHUVR DYDQ]DWH DSSDUHFFKLDWXUH GL WHOHPHGLFLQD R
WUDPLWHFRUULHULDL&HQWUL0HGLFLGL5LIHULPHQWR
,O&HQWUR0HGLFRGLULIHULPHQWRHVHJXLWHOHRSSRUWXQHYDOXWD]LRQLFOLQLFKHHGLDJQRVWLFKHHGRWWHQXWLLSDUHULGD
SDUWHGHL0HGLFL6SHFLDOLVWLSRWUjULFKLHGHUHGLYLVLWDUHLOSD]LHQWHVWHVVR
,FRVWLGHOODYLVLWDVSHFLDOLVWLFDVDUDQQRDFDULFRGHOOD6RFLHWjFRVuFRPHOHVSHVHGLWUDVIHULPHQWRH
DOORJJLRGHOSD]LHQWHILQRDGXQPDVVLPRGL¼
,PHGLFLVSHFLDOLVWLGHL³&HQWULGLHFFHOOHQ]D´IRUPXOHUDQQRUDSLGDPHQWHODSURSULDULVSRVWDVFULWWDFKHYHUUj
LQYLDWDDOOD&HQWUDOHGL7HOHPHGLFLQDFKHDVXDYROWDODWUDVPHWWHUjDOO¶$VVLFXUDWRDLXWDQGRORRYHRFFRUUD
DGLQWHUSUHWDUOD/D6RFLHWjWHUUjDSURSULRFDULFRWXWWLLFRVWL
$UW±$WWLYD]LRQHGHOVHFRQGRSDUHUHLQWHUQD]LRQDOH
4XDORUD VX LQGLFD]LRQH GHL PHGLFL GHOOD 6WUXWWXUD 2UJDQL]]DWLYD R GL TXHOOL GHL ³&HQWUL GL HFFHOOHQ]D´
QD]LRQDOHVLULWHQHVVHRSSRUWXQRDYYDOHUVLGLVWUXWWXUHLQWHUQD]LRQDOLGLFRPSURYDWROLYHOORTXHVWHYHUUDQQR
FRQWDWWDWH GDL PHGLFL GHOOD 6WUXWWXUD 2UJDQL]]DWLYD DO ILQH GL HURJDUH LO VHUYL]LR GL VHFRQGR SDUHUH
LQWHUQD]LRQDOH
7DOH VHUYL]LR SURYYHGHUj DOOD UDFFROWD GHOOD GRFXPHQWD]LRQH GHO FOLHQWH OD GLJLWDOL]]D]LRQH GHOOD VWHVVD VH
DQFRUD QRQ HVHJXLWD LO WUDVIHULPHQWR GHO FDVR FOLQLFR DO &HQWUR ,QWHUQD]LRQDOH LQGLYLGXDWR H OD
SUHGLVSRVL]LRQHGLXQVHFRQGRSDUHUHVFULWWRGDSDUWHGHOFHQWURLQWHUQD]LRQDOH
$57±$VVLVWHQ]D'LDJQRVWLFD
$UW±&RQVXOHQ]DPHGLFD
4XDORUD O¶$VVLFXUDWR LQ FDVR GL PDODWWLD HR LQIRUWXQLR QHFHVVLWDVVH YDOXWDUH LO SURSULR VWDWR GL VDOXWH SRWUj
FRQWDWWDUHLPHGLFLGHOOD6WUXWWXUD2UJDQL]]DWLYDHFKLHGHUHXQFRQVXOWRWHOHIRQLFR
$UW±,QYLRGLXQDDXWRDPEXODQ]DLQ,WDOLD
4XDORUDO¶$VVLFXUDWRDVHJXLWRGLLQIRUWXQLRHVXFFHVVLYDPHQWHDGXQD&RQVXOHQ]D0HGLFDQHFHVVLWDVVHGL
XQ WUDVSRUWR LQ DXWRDPEXODQ]D OD 6WUXWWXUD 2UJDQL]]DWLYD SURYYHGHUj DG RUJDQL]]DUH LO WUDVIHULPHQWR
GHOO¶$VVLFXUDWRDOFHQWURPHGLFRSLYLFLQR
/D 6RFLHWj WHUUj D SURSULR FDULFR L FRVWL ILQR DOOD FRQFRUUHQ]D PDVVLPD GL ¼ SHU DQQR FRQ LO
OLPLWHGL¼SHUVLQLVWUR
$UW±7UDVIHULPHQWRLQXQFHQWURRVSHGDOLHURLQ,WDOLD
4XDORUD O¶$VVLFXUDWR D VHJXLWR GL LQIRUWXQLR ULVXOWL DIIHWWR GD XQD SDWRORJLD FKH SHU FDUDWWHULVWLFKH RELHWWLYH
YLHQH ULWHQXWD GDL PHGLFL GHOOD 6WUXWWXUD 2UJDQL]]DWLYD QRQ FXUDELOH QHOO¶DPELWR GHOO¶RUJDQL]]D]LRQH
RVSHGDOLHUD GHOOD UHJLRQH GL UHVLGHQ]D GHOO¶$VVLFXUDWR SHU O¶LPSURYYLVD FDUHQ]D GHL VROL VWUXPHQWL FOLQLFL
QHFHVVDULHLGRQHLDOODFXUDHGLPHGLFLGLFXLVRSUDSUHYLDDQDOLVLGHOTXDGURFOLQLFRGHOO¶$VVLFXUDWRG¶LQWHVD
FRQ LO PHGLFR FXUDQWH ULVFRQWULQR JLXVWLILFDWL PRWLYL SHU LO WUDVIHULPHQWR GHOO¶$VVLFXUDWR LQ XQ FHQWUR
RVSHGDOLHURDGHJXDWRDOODFXUDGHOODSDWRORJLDGDFXLqDIIHWWROD6WUXWWXUD2UJDQL]]DWLYDSURYYHGHUj
DG LQGLYLGXDUH H SUHQRWDUH WHQXWR FRQWR GHOOH GLVSRQLELOLWj HVLVWHQWL LO &HQWUR 2VSHGDOLHUR ULWHQXWR SL
DWWUH]]DWRSHUODSDWRORJLDGHOO¶$VVLFXUDWR
DGRUJDQL]]DUHLOWUDVSRUWRGHOO¶$VVLFXUDWRLQDXWRDPEXODQ]DVHQ]DOLPLWLGLSHUFRUVR
,OWUDVSRUWRVDUjLQWHUDPHQWHRUJDQL]]DWRGDOOD6WUXWWXUD2UJDQL]]DWLYDLQFOXVDO¶DVVLVWHQ]DLQIHUPLHULVWLFD
GXUDQWH LO YLDJJLR TXDORUD L PHGLFL GHOOD 6WUXWWXUD 2UJDQL]]DWLYD OD ULWHQHVVHUR QHFHVVDULD /D 6RFLHWj
WHUUjDSURSULRFDULFRLUHODWLYLFRVWL
You Care - Fascicolo Informativo - Mod. n. 02711/B - ed. 05/2013 - pagina 22 di 25
/DSUHVWD]LRQHYLHQHIRUQLWDJLXVWDFHUWLILFD]LRQHGHO'LUHWWRUH6DQLWDULRGHOODVWUXWWXUDLQWHUHVVDWD
ƒGDOOH RUH GHO JLRUQR GL GHFRUUHQ]D GHOOD JDUDQ]LD SHU WUDVIHULPHQWL UHVL QHFHVVDUL GD
LQIRUWXQLR
6RQRHVFOXVHGDOODSUHVWD]LRQH
ƒOHLQIHUPLWjROHVLRQLFKHDJLXGL]LRGHLPHGLFLGHOOD6WUXWWXUD2UJDQL]]DWLYDSRVVRQRHVVHUHFXUDWH
QHOO¶DPELWRGHOO¶2UJDQL]]D]LRQH2VSHGDOLHUDGHOOD5HJLRQHGL5HVLGHQ]D
ƒOH LQIHUPLWj R OH OHVLRQL FKH QRQ VRQR FXUDELOL QHOO¶DPELWR GHOO¶2UJDQL]]D]LRQH 2VSHGDOLHUD GHOOD
5HJLRQHGL5HVLGHQ]DSHUGHILFLHQ]HVWUXWWXUDOLHRRUJDQL]]DWLYHGHOO¶2UJDQL]]D]LRQH2VSHGDOLHUD
ƒWXWWLLFDVLLQFXLLOWUDVSRUWRLPSOLFKLYLROD]LRQHGLQRUPHVDQLWDULH
$UW±5LFHUFDHSUHQRWD]LRQHYLVLWHVSHFLDOLVWLFKH
4XDORUD O¶$VVLFXUDWR D VHJXLWR GL PDODWWLD HR LQIRUWXQLR GHEED VRWWRSRUVL D XQD YLVLWD VSHFLDOLVWLFD SRWUj
WHOHIRQDUH DOOD 6WUXWWXUD2UJDQL]]DWLYD FKH VHQWLWR LO PHGLFR FXUDQWH LQGLYLGXHUj H SUHQRWHUj WHQXWR FRQWR
GHOOHGLVSRQLELOLWjHVLVWHQWLODYLVLWDVSHFLDOLVWLFDLQDFFRUGRFRQO¶$VVLFXUDWR
$57±$VVLVWHQ]D'RPLFLOLDUH,QWHJUDWD$',
$UW±2SHUDWLYLWjGHOODSUHVWD]LRQHGLDVVLVWHQ]D
/HSUHVWD]LRQLVRQRGRYXWHLQVHJXLWRDGLQIRUWXQLRHRPDODWWLDSHUXQODVVRWHPSRUDOHPDVVLPRGLJLRUQL
HG XQD IUDQFKLJLD GL JLRUQL LQ FDVR GL ULFRYHUR FRQ LQWHUYHQWR FKLUXUJLFR GL JLRUQL LQ FDVR GL ULFRYHUR
VHQ]DLQWHUYHQWRFKLUXUJLFR
$UW±2EEOLJKLGHOO¶$VVLFXUDWR
,Q FDVR GL VLQLVWUR O¶$VVLFXUDWR GHYH SUHQGHUH FRQWDWWR FRQ OD 6WUXWWXUD 2UJDQL]]DWLYD DOPHQR RUH SULPD
GHOOH SUHYLVWH GLPLVVLRQL GDOO¶,VWLWXWR GL &XUD FKLDPDQGR LO QXPHUR GL WHOHIRQR H LQYLDQGR YLD
WHOHID[ DO QXPHUR O¶RSSRUWXQD FHUWLILFD]LRQH PHGLFD FRQ SUHVFUL]LRQH GHOO¶DVVLVWHQ]D
GRPLFLOLDUH
/¶LQDGHPSLHQ]DDWDOHREEOLJRFRPSRUWDODGHFDGHQ]DGDOGLULWWRDOODSUHVWD]LRQH
$UW±(VFOXVLRQL
7XWWH OH SUHVWD]LRQL ULSRUWDWH QHO SUHVHQWH FDSLWROR QRQ VRQR GRYXWH SHU VLQLVWUL SURYRFDWL R
GLSHQGHQWLGDOOHFDXVHSUHYLVWHDOO¶$UW(VFOXVLRQLIHUPHUHVWDQGROHXOWHULRULHVFOXVLRQLULSRUWDWH
LQRJQLVLQJRODSUHVWD]LRQH
$UW±9DOLGLWjWHUULWRULDOH
/HSUHVWD]LRQLLQGLFDWHDOO¶DUWVRQRRSHUDQWLHVFOXVLYDPHQWHLQ,WDOLD
$UW±7HUPLQLGLFDUHQ]D
/DSUHVWD]LRQHGHFRUUH
SHUJOLLQIRUWXQLGDOOHRUHGHOJLRUQRLQFXLKDHIIHWWRO¶DVVLFXUD]LRQH
SHUOHPDODWWLHGDOƒJLRUQRVXFFHVVLYRDTXHOORLQFXLKDHIIHWWRO¶DVVLFXUD]LRQH
SHUOHFRQVHJXHQ]HGLVWDWLSDWRORJLFLODWHQWLLQVRUWLDQWHULRUPHQWHDOODVWLSXOD]LRQHGHOFRQWUDWWR
HQRQDQFRUDPDQLIHVWDWLFHUWDODQRQFRQRVFHQ]DGHOO¶$VVLFXUDWRGDOƒJLRUQRVXFFHVVLYRD
TXHOORLQFXLKDHIIHWWRO¶DVVLFXUD]LRQH
SHU LO SDUWR H SHU OH PDODWWLH GD SXHUSHULR GDO ƒ JLRUQR VXFFHVVLYR D TXHOOR LQ FXL KD HIIHWWR
O¶DVVLFXUD]LRQH
4XDORUD OD SUHVHQWH SROL]]D VLD VWDWD HPHVVD LQ VRVWLWX]LRQH GL FRQWUDWWR DQDORJR ULJXDUGDQWH OR
VWHVVR$VVLFXUDWRLWHUPLQLGLFXLVRSUDQRQRSHUDQR
You Care - Fascicolo Informativo - Mod. n. 02711/B - ed. 05/2013 - pagina 23 di 25
$UW±2VSHGDOL]]D]LRQHGRPLFLOLDUH
,Q FDVR GL ULFRYHUR FRQ R VHQ]D LQWHUYHQWR FKLUXUJLFR OD 6WUXWWXUD 2UJDQL]]DWLYD RUJDQL]]D H JHVWLVFH VX
ULFKLHVWDVFULWWDGHOPHGLFRFXUDQWHODSURVHFX]LRQHGHOULFRYHURLQIRUPDGRPLFLOLDUHPHGLDQWHSUHVWD]LRQLGL
SURSULR SHUVRQDOH PHGLFR H SDUDPHGLFR SHU XQ PDVVLPR GL JLRUQL SRVWULFRYHUR /H PRGDOLWj SHU
O¶DFFHVVRHGHURJD]LRQHGHOVHUYL]LRDFFHUWDWDODQHFHVVLWjGHOODSUHVWD]LRQHYHUUDQQRGHILQLWHGDOVHUYL]LR
PHGLFRGHOOD6WUXWWXUD2UJDQL]]DWLYDLQDFFRUGRFRQLPHGLFLFXUDQWLGHOO¶$VVLFXUDWR
$UW±6HUYL]LVDQLWDUL
4XDORUDO¶$VVLFXUDWRWURYDQGRVLLQ,WDOLDDVHJXLWRGLLQIRUWXQLRRPDODWWLDFKHDEELDFRPSRUWDWRXQULFRYHUR
FRQ R VHQ]D LQWHUYHQWR FKLUXUJLFR QHFHVVLWL GL HVHJXLUH SUHVVR LO SURSULR GRPLFLOLR SUHOLHYL GHO VDQJXH
HFRJUDILHHOHWWURFDUGLRJUDPPLQRQXUJHQWLHGLXVXIUXLUHGHOODFRQVHJQDHGHOULWLURGHJOLHVLWLGHJOLHVDPLH
GHOO¶LQYLRGLIDUPDFLXUJHQWLOD6WUXWWXUD2UJDQL]]DWLYDDFFHUWDWDODQHFHVVLWjGHOODSUHVWD]LRQHSURYYHGHUj
DG RUJDQL]]DUH LO VHUYL]LR SHU XQ PDVVLPR GL JLRUQL SRVWULFRYHUR GRSR OH GLPLVVLRQL GHOO¶$VVLFXUDWR
GDOO¶,VWLWXWRGL&XUDLQFXLHUDULFRYHUDWR
$UW±6HUYL]LQRQVDQLWDUL
4XDORUDO¶$VVLFXUDWRWURYDQGRVLLQ,WDOLDDVHJXLWRGLPDODWWLDRLQIRUWXQLRFKHDEELDFRPSRUWDWRXQULFRYHUR
FRQ R VHQ]D LQWHUYHQWR FKLUXUJLFR QRQ SRVVD ODVFLDUH LO SURSULR GRPLFLOLR OD 6WUXWWXUD 2UJDQL]]DWLYD
JDUDQWLVFHO¶LQYLRGLSHUVRQDOHGLVHUYL]LRSHUO¶HVHFX]LRQHGLDWWLYLWjFRQQHVVHFRQORVYROJLPHQWRGHOODYLWD
IDPLOLDUH TXRWLGLDQD FRPH SDJDPHQWL DFTXLVWL LQFRPEHQ]H DPPLQLVWUDWLYH FROODERUD]LRQH IDPLOLDUH
VRUYHJOLDQ]D PLQRUL /D 6WUXWWXUD 2UJDQL]]DWLYD DFFHUWDWD OD QHFHVVLWj GHOOD SUHVWD]LRQH SURYYHGHUj DG
RUJDQL]]DUH LO VHUYL]LR ILQR DG XQ PDVVLPR GL JLRUQL SRVWULFRYHUR GRSR OH GLPLVVLRQL GHOO¶$VVLFXUDWR
GDOO¶,VWLWXWRGL&XUDLQFXLHUDULFRYHUDWR
$UW&RPHULFKLHGHUHDVVLVWHQ]D
,QFDVRGLQHFHVVLWjGRYXQTXHFLVLWURYLOD6WUXWWXUD2UJDQL]]DWLYDqLQIXQ]LRQHRUHVX
,OSHUVRQDOHVSHFLDOL]]DWRGHOOD6WUXWWXUD2UJDQL]]DWLYDqDFRPSOHWDGLVSRVL]LRQHSURQWRDGLQWHUYHQLUHRDG
LQGLFDUH OH SURFHGXUH SL LGRQHH SHU ULVROYHUH QHO PLJOLRUH GHL PRGL TXDOVLDVL WLSR GL SUREOHPD ROWUH DG
DXWRUL]]DUHHYHQWXDOLVSHVH
'DOO¶,WDOLD
GDOO¶,WDOLDRGDOO¶HVWHUR
,03257$17( QRQ SUHQGHUH DOFXQD LQL]LDWLYD VHQ]D DYHUH SULPD LQWHUSHOODWR WHOHIRQLFDPHQWH OD
6WUXWWXUD2UJDQL]]DWLYD
6LGRYUDQQRFRPXQLFDUHVXELWRDOO¶RSHUDWRUHOHVHJXHQWLLQIRUPD]LRQL
x
WLSRGLLQWHUYHQWRULFKLHVWR
x
QRPHHFRJQRPH
x
FRGLFHILVFDOH
x
FRGLFHLGHQWLILFDWLYR $9*$VHJXLWRGDOQXPHURDGHVLRQH
x
LQGLUL]]RGHOOXRJRLQFXLFLVLWURYD
x
UHFDSLWRWHOHIRQLFR
4XDORUDIRVVHQHOO¶LPSRVVLELOLWjGLFRQWDWWDUHWHOHIRQLFDPHQWHOD6WUXWWXUD2UJDQL]]DWLYDSRWUjLQYLDUHXQID[
DOQXPHURRSSXUHXQWHOHJUDPPDD
(8523$66,67$1&(,7$/,$6S$±3]]D7UHQWRQ±0,/$12
(XURS$VVLVWDQFHSHUSRWHUHURJDUHOHSUHVWD]LRQLJDUDQ]LHSUHYLVWHLQSROL]]DGHYHHIIHWWXDUHLOWUDWWDPHQWR
GHL GDWL GHOO¶$VVLFXUDWR H D WDO ILQH QHFHVVLWD DL VHQVL GHO '/ Q &RGLFH 3ULYDF\ GHO VXR
FRQVHQVR3HUWDQWRO¶$VVLFXUDWRFRQWDWWDQGRRIDFHQGRFRQWDWWDUH(XURS$VVLVWDQFHIRUQLVFHOLEHUDPHQWHLO
SURSULRFRQVHQVRDOWUDWWDPHQWRGHLVXRLGDWLSHUVRQDOLFRPXQLHVHQVLELOLFRVuFRPHLQGLFDWRQHOO¶,QIRUPDWLYD
DOWUDWWDPHQWRGHLGDWL
You Care - Fascicolo Informativo - Mod. n. 02711/B - ed. 05/2013 - pagina 24 di 25
,1)250$7,9$$,6(16,'(//¶$57,&2/2'(/'/1
$L VHQVL GHOO¶DUW GHO 'HFUHWR /HJLVODWLYR GHO Q GL VHJXLWR GHQRPLQDWD /HJJH HG LQ UHOD]LRQH DL GDWL
SHUVRQDOLFKH/D9LULJXDUGDQRHFKHIRUPHUDQQRRJJHWWRGLWUDWWDPHQWR/D9LLQIRUPLDPRGLTXDQWRVHJXH
),1$/,7¬'(/75$77$0(172'(,'$7,
,OWUDWWDPHQWR
D q GLUHWWRDOO¶HVSOHWDPHQWRGD SDUWHGHOOD 6RFLHWj GHOOHILQDOLWjGLFRQFOXVLRQHJHVWLRQHHG HVHFX]LRQHGHLFRQWUDWWLHJHVWLRQHH
OLTXLGD]LRQHGHLVLQLVWULDWWLQHQWLHVFOXVLYDPHQWHDOO¶HVHUFL]LRGHOO¶DWWLYLWjDVVLFXUDWLYDHULDVVLFXUDWLYDDFXLOD6RFLHWjqDXWRUL]]DWDDL
VHQVLGHOOHYLJHQWLGLVSRVL]LRQLGLOHJJH
E SXz DQFKH HVVHUH GLUHWWR DOO¶HVSOHWDPHQWR GD SDUWH GHOOD 6RFLHWj GHOOH ILQDOLWj GL LQIRUPD]LRQH H SURPR]LRQH FRPPHUFLDOH GHL
SURGRWWLDVVLFXUDWLYLGHOOD6RFLHWjVWHVVD
02'$/,7¬'(/75$77$0(172'(,'$7,
,OWUDWWDPHQWR
D q UHDOL]]DWR SHU PH]]R GHOOH RSHUD]LRQL R FRPSOHVVL GL RSHUD]LRQL LQGLFDWH DOO¶DUW FRPPD OHWW D GHOOD /HJJH UDFFROWD
UHJLVWUD]LRQH H RUJDQL]]D]LRQH HODERUD]LRQH FRPSUHVL PRGLILFD UDIIURQWRLQWHUFRQQHVVLRQH XWLOL]]R FRPSUHVH FRQVXOWD]LRQH
FRPXQLFD]LRQH FRQVHUYD]LRQH FDQFHOOD]LRQHGLVWUX]LRQH VLFXUH]]DSURWH]LRQH FRPSUHVH DFFHVVLELOLWjFRQILGHQ]LDOLWj LQWHJULWj
WXWHOD
EqHIIHWWXDWRDQFKHFRQO¶DXVLOLRGLPH]]LHOHWWURQLFLRFRPXQTXHDXWRPDWL]]DWL
F q VYROWR GLUHWWDPHQWH GDOO¶RUJDQL]]D]LRQH GHO WLWRODUH H GD VRJJHWWL HVWHUQL D WDOH RUJDQL]]D]LRQH IDFHQWL SDUWH GHOOD FDWHQD
GLVWULEXWLYDGHOVHWWRUHDVVLFXUDWLYRLQTXDOLWjGLUHVSRQVDELOLHRLQFDULFDWLGHOWUDWWDPHQWRQRQFKpGDVRFLHWjGLVHUYL]LLQTXDOLWjGL
UHVSRQVDELOLHRLQFDULFDWLGHOWUDWWDPHQWR
&21)(5,0(172'(,'$7,
)HUPDO¶DXWRQRPLDSHUVRQDOHGHOO¶LQWHUHVVDWRLOFRQIHULPHQWRGHLGDWLSHUVRQDOLSXzHVVHUH
DREEOLJDWRULRLQEDVHDOHJJHUHJRODPHQWRRQRUPDWLYDFRPXQLWDULDDGHVHPSLRSHUDQWLULFLFODJJLR&DVHOODULRFHQWUDOHLQIRUWXQL
0RWRUL]]D]LRQHFLYLOH
E VWUHWWDPHQWH QHFHVVDULR DOOD FRQFOXVLRQH GL QXRYL UDSSRUWL R DOOD JHVWLRQH HG HVHFX]LRQH GHL UDSSRUWL JLXULGLFL LQ HVVHUH R DOOD
JHVWLRQHHOLTXLGD]LRQHGHLVLQLVWUL
FIDFROWDWLYRDLILQLGHOORVYROJLPHQWRGHOO¶DWWLYLWjGLLQIRUPD]LRQHHGLSURPR]LRQHFRPPHUFLDOHGLSURGRWWLDVVLFXUDWLYLQHLFRQIURQWL
GHOO¶LQWHUHVVDWRVWHVVR
5,),872',&21)(5,0(172'(,'$7,
/¶HYHQWXDOHULILXWRGDSDUWHGHOO¶LQWHUHVVDWRGLFRQIHULUHLGDWLSHUVRQDOL
DQHLFDVLLQFXLDOSXQWROHWWDHEFRPSRUWDO¶LPSRVVLELOLWjGLFRQFOXGHUHRGHVHJXLUHLUHODWLYLFRQWUDWWLGLDVVLFXUD]LRQHRGL
JHVWLUHHOLTXLGDUHLVLQLVWUL
E QHO FDVR LQ FXL DO SXQWR OHWW F QRQ FRPSRUWD DOFXQD FRQVHJXHQ]D VXL UDSSRUWL JLXULGLFL LQ HVVHUH RYYHUR LQ FRUVR GL
FRVWLWX]LRQHPDSUHFOXGHODSRVVLELOLWjGLVYROJHUHDWWLYLWjGLLQIRUPD]LRQHHGLSURPR]LRQHFRPPHUFLDOHGLSURGRWWLDVVLFXUDWLYLQHL
FRQIURQWLGHOO¶LQWHUHVVDWR
&2081,&$=,21('(,'$7,
DLGDWLSHUVRQDOLSRVVRQRHVVHUHFRPXQLFDWLSHUOHILQDOLWjGLFXLDOSXQWROHWWDHSHUHVVHUHVRWWRSRVWLDWUDWWDPHQWLDYHQWLOH
PHGHVLPHILQDOLWjRREEOLJDWRULSHUOHJJHDJOLDOWULVRJJHWWLGHOVHWWRUHDVVLFXUDWLYRTXDOLDVVLFXUDWRULFRDVVLFXUDWRULHULDVVLFXUDWRUL
DJHQWL VXEDJHQWL SURGXWWRUL GL DJHQ]LD PHGLDWRUL GL DVVLFXUD]LRQH HG DOWUL FDQDOL GL DFTXLVL]LRQH GL FRQWUDWWL GL DVVLFXUD]LRQH DG
HVHPSLREDQFKHH6,0OHJDOLSHULWLHDXWRIILFLQHVRFLHWjGLVHUYL]LDFXLVLDQRDIILGDWLODJHVWLRQHODOLTXLGD]LRQHHGLOSDJDPHQWR
GHL VLQLVWUL QRQFKp VRFLHWj GL VHUYL]L LQIRUPDWLFL R GL DUFKLYLD]LRQH RUJDQLVPL DVVRFLDWLYL $1,$ H FRQVRUWLOL SURSUL GHO VHWWRUH
DVVLFXUDWLYR ,9$66 0LQLVWHUR GHOO¶,QGXVWULD GHO &RPPHUFLR H GHOO¶$UWLJLDQDWR &216$3 8&, &RPPLVVLRQH GL YLJLODQ]D VXL IRQGL
SHQVLRQH0LQLVWHURGHO/DYRURHGHOOD3UHYLGHQ]D6RFLDOHHGDOWUHEDQFKHGDWLQHLFRQIURQWLGHOOHTXDOLODFRPXQLFD]LRQHGHLGDWLq
REEOLJDWRULDDGHVHPSLR8IILFLR,WDOLDQR&DPEL&DVHOODULRFHQWUDOHLQIRUWXQL0RWRUL]]D]LRQHFLYLOHHGHLWUDVSRUWLLQFRQFHVVLRQH
ELQROWUHLGDWLSHUVRQDOLSRVVRQRHVVHUHFRPXQLFDWLSHUOHILQDOLWjGLFXLDOSXQWROHWWEDVRFLHWjGHOJUXSSRGLDSSDUWHQHQ]D
VRFLHWjFRQWUROODQWLFRQWUROODWHHFROOHJDWHDQFKHLQGLUHWWDPHQWHDLVHQVLGHOOHYLJHQWLGLVSRVL]LRQLGLOHJJHQRQFKpDGDJHQWLR
PHGLDWRULGLDVVLFXUD]LRQH
',))86,21('(,'$7,
,GDWLSHUVRQDOLQRQVRQRVRJJHWWLDGLIIXVLRQH
75$6)(5,0(172'(,'$7,$//¶(67(52
,GDWLSHUVRQDOLSRVVRQRHVVHUHWUDVIHULWLYHUVR3DHVLGHOO¶8QLRQH(XURSHDHYHUVRSDHVLWHU]LULVSHWWRDOO¶8QLRQH(XURSHD
',5,77,'(//¶,17(5(66$72
*OLDUWWHGHOOD/HJJHFRQIHULVFRQRDOO¶LQWHUHVVDWRO¶HVHUFL]LRGLVSHFLILFLGLULWWLWUDFXLTXHOORGLRWWHQHUHGDOWLWRODUHODFRQIHUPD
GHOO¶HVLVWHQ]DRPHQRGLSURSULGDWLSHUVRQDOLHODORURPHVVDDGLVSRVL]LRQHLQIRUPDLQWHOOLJLELOHGLDYHUHFRQRVFHQ]DGHOO¶RULJLQHGHL
GDWLQRQFKpGHOODORJLFDHGHOODILQDOLWjVXFXLVLEDVDLOWUDWWDPHQWRGLRWWHQHUHODFDQFHOOD]LRQHODWUDVIRUPD]LRQHLQIRUPDDQRQLPD
RLOEORFFRGHLGDWLWUDWWDWLLQYLROD]LRQHGLOHJJHQRQFKpO¶DJJLRUQDPHQWRODUHWWLILFD]LRQHRVHYLqLQWHUHVVHO¶LQWHJUD]LRQHGHLGDWL
GLRSSRUVLSHUPRWLYLOHJLWWLPLDOWUDWWDPHQWRVWHVVR
7,72/$5((5(63216$%,/('(/75$77$0(172
/¶$PPLQLVWUDWRUH'HOHJDWRSURWHPSRUHqWLWRODUHGHOWUDWWDPHQWRGHLGDWLSHUVRQDOLSHUO¶$UHD,QGXVWULDOHDVVLFXUDWLYD
You Care - Fascicolo Informativo - Mod. n. 02711/B - ed. 05/2013 - pagina 25 di 25
Avipop Assicurazioni S.p.A.
Via A.Scarsellini 14 - 20161 Milano
www.avivaitalia.it
Tel. +39 02 2775.1
Fax +39 02 2775.204
Avipop Assicurazioni S.p.A. è una società del Gruppo Aviva
Sede legale e sede sociale in Italia Via A. Scarsellini 14 20161 Milano Capitale
Sociale Euro 63.500.000,00 (i.v.) R.E.A. di Milano 1797850 Iscrizione al Registro
delle Imprese di Milano, Codice Fiscale e Partita IVA 01979370036 Società
soggetta a direzione e coordinamento di Aviva Italia Holding S.p.A. Impresa
autorizzata all’esercizio delle assicurazioni con Provvedimento ISVAP n. 2388 del
09/11/2005 (Gazzetta Ufficiale n. 268 del 17/11/2005) Iscrizione all’Albo delle
Imprese di Assicurazione n. 1.00151 Iscrizione all’albo dei gruppi assicurativi n.
038.00002
Mod. 02711b - Ed. 05/2013 - PDF
Il prodotto viene distribuito da: Banco Popolare Società Cooperativa, Credito Bergamasco S.p.A.,
Banca Aletti & C. S.p.A.
You Care
Nota Informativa
Avipop Assicurazioni S.p.A.
Gruppo Aviva
127$,1)250$7,9$
/D SUHVHQWH 1RWD ,QIRUPDWLYD q UHGDWWD VHFRQGR OR VFKHPD SUHGLVSRVWR GDOO¶,9$66 PD LO VXR
FRQWHQXWRQRQqVRJJHWWRDOODSUHYHQWLYDDSSURYD]LRQHGHOO¶,9$66
/¶$VVLFXUDWRGHYHSUHQGHUHYLVLRQHGHOOH&RQGL]LRQLGL$VVLFXUD]LRQHSULPDGHOODVRWWRVFUL]LRQHGHOOD
SROL]]D
$,1)250$=,21,,1(5(17,/$62&,(7$¶',$66,&85$=,21,
,QIRUPD]LRQL*HQHUDOL
$YLSRS $VVLFXUD]LRQL6S$qXQDVRFLHWjGHO*UXSSR$YLYD6HGHOHJDOHH6HGHVRFLDOHLQ,WDOLD9LD$
6FDUVHOOLQL±0LODQR±,WDOLD1XPHURGLWHOHIRQR±VLWRLQWHUQHWZZZDYLYDLWDOLDLW
,QGLUL]]RGLSRVWDHOHWWURQLFD
± SHULQIRUPD]LRQLGLFDUDWWHUHJHQHUDOHDVVXQ]LRQHGDQQLBEDQFDVVXUDQFH#DYLYDLWDOLDLW
± SHULQIRUPD]LRQLUHODWLYHDOOHOLTXLGD]LRQLVLQLVWULBEDQFDVVXUDQFH#DYLYDLWDOLDLW
$YLSRS$VVLFXUD]LRQL6S$qVWDWDDXWRUL]]DWDDOO¶HVHUFL]LRGHOOHDVVLFXUD]LRQLFRQ3URYYHGLPHQWR,69$3
Q GHO *D]]HWWD 8IILFLDOH Q GHO ,VFUL]LRQH DOO¶$OER GHOOH ,PSUHVH GL
$VVLFXUD]LRQHQ,VFUL]LRQHDOO¶DOERGHLJUXSSLDVVLFXUDWLYLQ
,QIRUPD]LRQLVXOODVLWXD]LRQHSDWULPRQLDOHGHOOD6RFLHWj
'DOO¶XOWLPR ELODQFLR DSSURYDWR O¶DPPRQWDUH GHO SDWULPRQLR QHWWR GL $YLSRS $VVLFXUD]LRQL 6S$ q SDUL D
(XURGLFXLLO&DSLWDOH6RFLDOHDPPRQWDD(XURHOH5LVHUYH3DWULPRQLDOLD(XUR
/¶LQGLFH GL VROYLELOLWj GHOO¶,PSUHVD GL $VVLFXUD]LRQH ULIHULWR DOOD JHVWLRQH GDQQL q SDUL D /¶LQGLFH GL
VROYLELOLWj UDSSUHVHQWD LO UDSSRUWR WUD O¶DPPRQWDUH GHO PDUJLQH GL VROYLELOLWj GLVSRQLELOH H O¶DPPRQWDUH GHO
PDUJLQHGLVROYLELOLWjULFKLHVWRGDOODQRUPDWLYDYLJHQWH
%,1)250$=,21,68/&2175$772
$99(57(1=$ OD SROL]]D <RX &DUH q VWLSXODWD FRQ WDFLWR ULQQRYR LQ PDQFDQ]D GL GLVGHWWD VSHGLWD
GDOO¶$VVLFXUDWR DOOD 6RFLHWj PHGLDQWH OHWWHUD UDFFRPDQGDWD LQYLDWD DOPHQR JLRUQL SULPD GHOOD
VFDGHQ]D O¶DVVLFXUD]LRQH GL GXUDWD QRQ LQIHULRUH DG XQ DQQR q SURURJDWD SHU XQ DQQR H FRVu
VXFFHVVLYDPHQWH
3HUPDJJLRULGHWWDJOLVLULQYLDDOO¶$UW'HFRUUHQ]DGHOODJDUDQ]LDGLFLDVFXQDDGHVLRQH±3DJDPHQWR
GHOSUHPLRGHOOH1RUPHFKHUHJRODQRO¶$VVLFXUD]LRQHLQJHQHUDOH
&RSHUWXUHDVVLFXUDWLYHRIIHUWH±HVFOXVLRQL
/D6RFLHWjJDUDQWLVFHSHULOWUDPLWHGHOOD6WUXWWXUD2UJDQL]]DWLYDQHOFRUVRGHOODGXUDWDFRQWUDWWXDOH
LFDVLGL
$ 5LPERUVR GHOOH VSHVH VRVWHQXWH D VHJXLWR GL ULFRYHUR SHU *UDQGL ,QWHUYHQWL &KLUXUJLFL H *UDYL
(YHQWL0RUERVL
%$VVLVWHQ]D0HGLFDO$GYLFH3URJUDP$VVLVWHQ]D'RPLFLOLDUH,QWHJUDWD$VVLVWHQ]D'LDJQRVWLFD
You Care - Nota Informativa - Mod. n. 02713/B - ed. 05/2013 - pagina 1 di 8
$*5$1',,17(59(17,&+,58*,&,(*5$9,(9(17,025%26,
/D 6RFLHWj D VHJXLWR GL ULFRYHUR LQ ,VWLWXWR GL &XUD D VHJXLWR GL *UDQGL ,QWHUYHQWL &KLUXUJLFL ULPERUVD
DOO¶$VVLFXUDWRLQEDVHDOSLDQR$VVLFXUDWLYRSUHVFHOWRHGLQGLFDWRQHO0RGXORGL$GHVLRQHOHVSHVHFRPHGD
$OOHJDWRDOOH&RQGL]LRQL&RQWUDWWXDOLQHFHVVDULHSHU
x VSHVHGLLQWHUYHQWRFKLUXUJLFR
x VSHVHVDQLWDULH
x WUDWWDPHQWLILVLRWHUDSLFLHULHGXFDWLYLQHLJJVXFFHVVLYLDOJUDQGHLQWHUYHQWRFKLUXUJLFR R DO JUDYH
HYHQWRPRUERVR
x VSHVHSUHHSRVWULFRYHUR
3HUJOLDVSHWWLLQHUHQWLLGHWWDJOLGHOOHFRSHUWXUHDVVLFXUDWLYHVLULQYLDDOO¶$UW±2JJHWWRGHOO¶$VVLFXUD]LRQH
GLFXLDOOD6H]LRQH,±$VVLFXUD]LRQH*UDQGL,QWHUYHQWL&KLUXUJLFLH*UDYL(YHQWL0RUERVL
$99(57(1=$ OD 6RFLHWj VL DYYDOH SHU OD JHVWLRQH H O¶HURJD]LRQH GHOOH SUHVWD]LRQL GHOOD 6WUXWWXUD
2UJDQL]]DWLYDGL(XURS$VVLVWDQFH,WDOLD6S$±3]]D7UHQWRQ±0LODQR
,O QRUPDWLYR GHOOD JDUDQ]LD SUHYHGH 'HOLPLWD]LRQL HG (VFOXVLRQL DOOD FRSHUWXUD DVVLFXUDWLYD FKH
SRVVRQRGDUHOXRJRDOODULGX]LRQHRDOPDQFDWRSDJDPHQWRGHOO¶LQGHQQL]]R
3HUDVSHWWLGLPDJJLRUGHWWDJOLRVLULQYLDDJOL$UWW±5HTXLVLWLGLDVVLFXUDELOLWj/LPLWLGLHWj±
(VFOXVLRQL±GLFXLDOOD6H]LRQH,±$VVLFXUD]LRQH*UDQGL,QWHUYHQWL&KLUXUJLFLH*UDYL(YHQWL0RUERVL
,O QRUPDWLYR GHOOD JDUDQ]LD SUHYHGH /LPLWL GL ,QGHQQL]]R SHU DVSHWWL GL PDJJLRU GHWWDJOLR VL ULQYLD
DOO¶$UW2JJHWWRGHOO¶$VVLFXUD]LRQH/HWW'GLFXLDOOD6H]LRQH,±$VVLFXUD]LRQH*UDQGL,QWHUYHQWL
&KLUXUJLFLH*UDYL(YHQWL0RUERVL
'LVHJXLWRVLULSRUWDQRDOFXQHVHPSOLILFD]LRQLSHUIDFLOLWDUHO¶$VVLFXUDWRQHOODFRPSUHQVLRQHGHLPHFFDQLVPLGL
IXQ]LRQDPHQWRGHOOHIUDQFKLJLHVFRSHUWLLQGHQQL]]L
,17(59(172
&+,585*,&2'$
,1)25781,20$/$77,$
*DVWURVWRPLD
DVHJXLWRGLPDODWWLD
0DODWWLDGLDJQRVWLFDWD
DQWHULRUPHQWHDOODVWLSXOD
GHOODSROL]]DFKHULFKLHGH
LQWHUYHQWRGLWLURLGHFWRPLD
WRWDOH
6SHVH 3UH H 3RVW 5LFRYHUR
SHULQWHUYHQWRGL)ULQJRWRPLD
)5$1&+,*,(
6&23(57,
0$66,02,1'(11,==2
1HVVXQD
'DSLDQRSUHVFHOWR
1HVVXQD
1HVVXQRLQTXDQWROD
PDODWWLDqDQWHULRUHDOOD
VWLSXODGHOODSROL]]DH
TXLQGLULHQWUDQHOOH
HVFOXVLRQLGLSROL]]D
1HVVXQD
¼
&$5(1=$
/,0,7,7(0325$/,
/D&RSHUWXUDKDHIIHWWRGDO
ƒ JLRUQR D TXHOOR LQ FXL
KDHIIHWWRO¶DVVLFXUD]LRQH
(QWURL JLRUQL SULPD H L JLRUQLVXFFHVVLYLDOULFRYHUR
%$66,67(1=$
/D 6RFLHWj SHU LO WUDPLWH GHOOD 6WUXWWXUD 2UJDQL]]DWLYD VL LPSHJQD DG HURJDUH OH SUHVWD]LRQL GL
0HGLFDO$GYLFH3URJUDP$VVLVWHQ]D'RPLFLOLDUH,QWHJUDWDH$VVLVWHQ]D'LDJQRVWLFD
3HUJOLDVSHWWLLQHUHQWLODFRSHUWXUDDVVLFXUDWLYDSUHYLVWDVLULQYLDDLVHJXHQWL$UWWGDODOSHUOD
JDUDQ]LD0HGLFDO$GYLFH3URJUDPGDODOSHUODJDUDQ]LD$VVLVWHQ]D'LDJQRVWLFDGDODO
SHUODJDUDQ]LD$VVLVWHQ]D'RPLFLOLDUH,QWHJUDWDGLFXLDOOD6H]LRQH,,±$VVLFXUD]LRQH$VVLVWHQ]D
,O QRUPDWLYR GHOOD JDUDQ]LD SUHYHGH 'HOLPLWD]LRQL HG (VFOXVLRQL DOOD FRSHUWXUD DVVLFXUDWLYD FKH
SRVVRQRGDUHOXRJRDOODULGX]LRQHRDOPDQFDWRSDJDPHQWRGHOO¶LQGHQQL]]R
You Care - Nota Informativa - Mod. n. 02713/B - ed. 05/2013 - pagina 2 di 8
3HUDVSHWWLGLPDJJLRUGHWWDJOLRVLULQYLDDJOL$UWW5HTXLVLWLGLDVVLFXUDELOLWj/LPLWLGLHWj
(VFOXVLRQLH9DOLGLWjGLFXLDOOD6H]LRQH,,±$VVLFXUD]LRQH$VVLVWHQ]D
,O QRUPDWLYR GHOOD JDUDQ]LD SUHYHGH OD SUHVHQ]D GL IUDQFKLJLH VFRSHUWL H OLPLWL GL ,QGHQQL]]R SHU
DVSHWWL GL PDJJLRU GHWWDJOLR VL ULQYLD DJOL $UWW 3DJDPHQWR ,QGLUHWWR SHU SUHVWD]LRQL HIIHWWXDWH
SUHVVR VWUXWWXUH QRQ FRQYHQ]LRQDWH $WWLYD]LRQH GHOOD UHWH QD]LRQDOH GL FHQWUL GL HFFHOOHQ]D
LQYLR GL XQ DXWRDPEXODQ]D LQ ,WDOLD WUDVIHULPHQWR LQ XQ FHQWUR RVSHGDOLHUR LQ ,WDOLD RSHUDWLYLWjGHOODSUHVWD]LRQHGL$VVLVWHQ]D$UW2VSHGDOL]]D]LRQHGRPLFLOLDUH6HUYL]LVDQLWDUL
6HUYL]LQRQVDQLWDULGLFXLDOOD6H]LRQH,,±$VVLFXUD]LRQH$VVLVWHQ]D
$99(57(1=$ OD 6RFLHWj VL DYYDOH SHU OD JHVWLRQH H O¶HURJD]LRQH GHOOH SUHVWD]LRQL GHOOD 6WUXWWXUD
2UJDQL]]DWLYDGL(XURS$VVLVWDQFH,WDOLD6S$±3]]D7UHQWRQ±0LODQR
,Q FDVR GL QHFHVVLWj SHU XVXIUXLUH GHO VHUYL]LR O¶$VVLFXUDWR GHYH FRQWDWWDUH OD 6WUXWWXUD 2UJDQL]]DWLYD LQ
IXQ]LRQHRUHVX±DLVHJXHQWLUHFDSLWL
'DOO¶,WDOLD
GDOO¶,WDOLDRGDOO¶HVWHUR
'LVHJXLWRVLULSRUWDQRDOFXQHVHPSOLILFD]LRQLSHUIDFLOLWDUHO¶$VVLFXUDWRQHOODFRPSUHQVLRQHGHLPHFFDQLVPLGL
IXQ]LRQDPHQWRGHOOHIUDQFKLJLHVFRSHUWLLQGHQQL]]L
35(67$=,21,',$66,67(1=$
,QYLRGHOO¶DPEXODQ]DDGRPLFLOLR
LQ,WDOLD
6&23(57,)5$1&+,*,(,1'(11,==2&$5(1=(
&RVWRGHOWUDVSRUWR¼
0DVVLPR ,QGHQQL]]R ¼ SHU VLQLVWUR FRQ LO
PDVVLPRGL¼SHUDQQR
3UHVWD]LRQH PHGLFD SUHVVR 6WUXWWXUD 6FRSHUWR PLQLPR ¼ ± 0DVVLPR
PHGLFD121FRQYHQ]LRQDWD
,QGHQQL]]R¼
3UHVWD]LRQHQHL&HQWULGL(FFHOOHQ]D 6SHVH GL WUDVIHULPHQWR H DOORJJLR 0DVVLPR
,QGHQQL]]R¼
3HULRGLGLFDUHQ]DFRQWUDWWXDOL
$99(57(1=$ OD SROL]]D SUHYHGH SHULRGL GL FDUHQ]D /D FDUHQ]D q LO SHULRGR LPPHGLDWDPHQWH
VXFFHVVLYR DOOD GDWD GL VRWWRVFUL]LRQH GHOOD SROL]]D GXUDQWH LO TXDOH OD FRSHUWXUD DVVLFXUDWLYD QRQ q
RSHUDQWH3HUJOLDVSHWWLGLPDJJLRUGHWWDJOLRVLULQYLDDLVHJXHQWL$UW±7HUPLQLGL&DUHQ]DGHOOH
&RQGL]LRQLGLFXLDOOD6H]LRQH,±$VVLFXUD]LRQH*UDQGL,QWHUYHQWL&KLUXUJLFLH*UDYL(YHQWL0RUERVL
H$UW±7HUPLQLGL&DUHQ]DGLFXLDOOD6H]LRQH,,±$VVLFXUD]LRQH$VVLVWHQ]D
'LFKLDUD]LRQLGHOO¶$VVLFXUDWRLQRUGLQHDOOHFLUFRVWDQ]HGHOULVFKLR
$99(57(1=$ HYHQWXDOL GLFKLDUD]LRQL GHOO¶$VVLFXUDWR IDOVH R UHWLFHQWL LQHUHQWL D FLUFRVWDQ]H FKH
LQIOXLVFRQRVXOODYDOXWD]LRQHGHOULVFKLRGDSDUWHGHOOD6RFLHWjSRVVRQRFRPSRUWDUHODSHUGLWDWRWDOH
RSDU]LDOHGHOGLULWWRDOO¶LQGHQQL]]]RQRQFKpODVWHVVDFHVVD]LRQHDLVHQVLGHJOLDUWWH
GHO&RGLFH&LYLOH
3HU PDJJLRUL GHWWDJOL VL ULQYLD DL VHJXHQWL $UW ± 'LFKLDUD]LRQL UHODWLYH DOOH FLUFRVWDQ]H GHO
ULVFKLRGHOOH1RUPHFKHUHJRODQRO¶$VVLFXUD]LRQHLQ*HQHUDOH
$JJUDYDPHQWRHGLPLQX]LRQHGHOULVFKLR
/¶$VVLFXUDWR GHYH GDUH FRPXQLFD]LRQH VFULWWD DOOD 6RFLHWj GL RJQL DJJUDYDPHQWR H GLPLQX]LRQH GHO
ULVFKLR *OL DJJUDYDPHQWL GL ULVFKLR QRQ QRWL R QRQ DFFHWWDWL GDOOD 6RFLHWj SRVVRQR FRPSRUWDUH OD
SHUGLWD WRWDOH R SDU]LDOH GHO GLULWWR DOO¶LQGHQQL]]R QRQFKpODVWHVVDFHVVD]LRQH GHOO¶DVVLFXUD]LRQH DL
VHQVLGHOO¶DUWGHO&RGLFH&LYLOH3HUPDJJLRULGHWWDJOLVLULQYLDDLVHJXHQWL$UW±$JJUDYDPHQWR
HGLPLQX]LRQHGHOULVFKLRGHOOH1RUPHFKHUHJRODQRO¶$VVLFXUD]LRQHLQ*HQHUDOH
You Care - Nota Informativa - Mod. n. 02713/B - ed. 05/2013 - pagina 3 di 8
3UHPL
/D SROL]]D <RX &DUH KD GXUDWD DQQXDOH
,O SDJDPHQWR GHO SUHPLR DYYLHQH FRQ SHULRGLFLWj DQQXDOH R LQ UDWH PHQVLOL VHQ]D RQHUL DJJLXQWLYL H
O¶DVVLFXUD]LRQH KD HIIHWWR GDOOH RUH GHO JLRUQR LQGLFDWR LQ SROL]]D VH LO SUHPLR R OD SULPD UDWD GL
SUHPLRVRQRVWDWLSDJDWLDOWULPHQWLKDHIIHWWRGDOOHRUHGHOJLRUQRGHOSDJDPHQWR
3HU PDJJLRUL GHWWDJOL VL ULQYLD DL VHJXHQWL $UW ±'HFRUUHQ]D GHOOD JDUDQ]LD GL FLDVFXQD DGHVLRQH ±
3DJDPHQWRGHOSUHPLRGHOOH1RUPHFKHUHJRODQRO¶$VVLFXUD]LRQHLQ*HQHUDOH
,PH]]LGLSDJDPHQWRFRQVHQWLWLGDOOD6RFLHWjVRQRLVHJXHQWL
DGGHELWRDQQXDOHRPHQVLOHVXOFRQWRFRUUHQWHGHOO¶$VVLFXUDWR
$99(57(1=$DLVRWWRVFULWWRULGHOSUHVHQWH&RQWUDWWRGL$VVLFXUD]LRQH<RX&DUHFKHVRQR
GLSHQGHQWLLQDWWLYLWjRTXLHVFHQ]D
VRFLGHO*UXSSR%DQFR3RSRODUH
VRQR ULVHUYDWH FRQGL]LRQL DJHYRODWH O¶LPSRUWR GHO SUHPLR DQQXR SDJDWR YLHQH VFRQWDWR GHO
FLUFD
'LULWWRGLUHFHVVRSHUVLQLVWUR
$99(57(1=$ GRSR OD GHQXQFLD GL RJQL VLQLVWUR LQGHQQL]]DELOH D WHUPLQL GL SROL]]D H ILQR DO ƒ
JLRUQR GDO SDJDPHQWR R ULILXWR GHOO¶LQGHQQL]]R VLD O¶ $VVLFXUDWR VLD OD 6RFLHWj SRVVRQR UHFHGHUH
¶
GDOO$VVLFXUD]LRQHFRQSUHDYYLVRGLDOPHQRJLRUQLGDGDUVLPHGLDQWHOHWWHUDUDFFRPDQGDWD
3HU JOL DVSHWWL GL PDJJLRU GHWWDJOLR VL ULQYLD DL VHJXHQWL $UW ± 5HFHVVR LQ FDVR GL VLQLVWUR GHOOH
1RUPHFKHUHJRODQRO$VVLFXUD]LRQH*HQHUDOH
¶
3UHVFUL]LRQHHGHFDGHQ]DGHLGLULWWLGHULYDWLGDOFRQWUDWWR
$LVHQVLGHOO¶$UWGHO&RGLFH&LYLOHLOGLULWWRDOSDJDPHQWRGHOOHUDWHGLSUHPLRVLSUHVFULYHLQXQ
DQQR GDOOH VLQJROH VFDGHQ]H PHQWUH JOL DOWUL GLULWWL GHULYDQWL GDO FRQWUDWWR GL DVVLFXUD]LRQH VL
SUHVFULYRQRLQGXHDQQLGDOJLRUQRLQFXLVLqYHULILFDWRLOIDWWRVXFXLLOGLULWWRVLIRQGD
/HJJHDSSOLFDELOHDOFRQWUDWWR
,Q EDVH DOO¶DUW GHO &RGLFH GHOOH $VVLFXUD]LRQL DO &RQWUDWWR GL $VVLFXUD]LRQH VL DSSOLFKHUj OD OHJJH
LWDOLDQD
5HJLPHILVFDOH
,OSUHPLRORUGRGLSROL]]DqFRPSUHQVLYRGLRQHULILVFDOLLQEDVHDOOHDOLTXRWHVRWWRULSRUWDWH
*UDQGL,QWHUYHQWL&KLUXUJLFLH*UDYL(YHQWL0RUERVL
3UHVWD]LRQLGL$VVLVWHQ]D &,1)250$=,21,68//(352&('85(/,48,'$7,9((68,5(&/$0,
6LQLVWUL±/LTXLGD]LRQHGHOO¶LQGHQQL]]R
$99(57(1=$O¶LQVRUJHQ]DGHOVLQLVWURFRLQFLGHFRQLOPRPHQWRLQFXLVLYHULILFDLOIDWWRGDQQRVRSHU
LOTXDOHqSUHVWDWDODFRSHUWXUDDVVLFXUDWLYD
3HUJOLDVSHWWLGLPDJJLRUGHWWDJOLRVLULQYLDDOO¶DUW±'HQXQFLDGHOVLQLVWUR±PRGDOLWjGLSDJDPHQWR
± REEOLJKL GHOO¶$VVLFXUDWR GHOOH &RQGL]LRQL GL FXL DOOD 6H]LRQH , ± $VVLFXUD]LRQH *UDQGL ,QWHUYHQWL
&KLUXUJLFLH*UDYL(YHQWL0RUERVL
/¶$VVLFXUDWRLVXRLIDPLOLDULRDYHQWLGLULWWRGHYRQRFRQVHQWLUHDOODYLVLWDGLPHGLFLGHOOD6RFLHWjHD
TXDOVLDVLLQGDJLQHFKHTXHVWDULWHQJDQHFHVVDULD
You Care - Nota Informativa - Mod. n. 02713/B - ed. 05/2013 - pagina 4 di 8
$VVLVWHQ]D
/HSUHVWD]LRQLGL$VVLVWHQ]DVRQRHURJDWHGDOOD6RFLHWjSHULOWUDPLWHGHOOD6WUXWWXUD2UJDQL]]DWLYDGL
(XURS $VVLVWDQFH ± 3LD]]D 7UHQWR 0LODQR FRVWLWXLWD GD UHVSRQVDELOL SHUVRQDOH PHGLFL
WHFQLFL RSHUDWRUL DWWUH]]DWXUH H SUHVLGL FHQWUDOL]]DWH H QRQ LQ IXQ]LRQH RUH VX WXWWL L JLRUQL
GHOO¶DQQR R HQWUR L GLYHUVL OLPLWL SUHYLVWL GDO FRQWUDWWR H FKH LQ YLUW GL VSHFLILFD FRQYHQ]LRQH
SURYYHGHSHUFRQWRGHOOD6RFLHWjDOFRQWDWWRFRQO¶$VVLFXUDWRDOO¶RUJDQL]]D]LRQHHGHURJD]LRQHGHOOH
SUHVWD]LRQLGLDVVLVWHQ]DSUHYLVWHLQSROL]]DFRQFRVWLDFDULFRGHOODPHGHVLPDVRFLHWj3HUPDJJLRUL
GHWWDJOL VL ULQYLD DL VHJXHQWL $UWW H 2EEOLJKL GHOO¶$VVLFXUDWR GL FXL DOOD 6H]LRQH ,, ±
$VVLFXUD]LRQH$VVLVWHQ]D
5HFODPL
*OLHYHQWXDOLUHFODPLULJXDUGDQWLLOUDSSRUWRFRQWUDWWXDOHRODJHVWLRQHGHLVLQLVWULGHYRQRHVVHUHLQROWUDWLSHU
LVFULWWRDG$YLSRS$VVLFXUD]LRQL6S$±6HUYL]LR5HFODPL±FRQ6HGHLQ0LODQR±9LD$6FDUVHOOLQL1ƒ±
QXPHURGLID[±LQGLUL]]RHPDLOFXUHFODPL#DYLYDLWDOLDLW
4XDORUD O¶HVSRQHQWH QRQ VL ULWHQJD VRGGLVIDWWR GDOO¶HVLWR GHO UHFODPR R LQ FDVR GL DVVHQ]D GL ULVFRQWUR QHO
WHUPLQH PDVVLPR GL TXDUDQWDFLQTXH JLRUQL SRWUj ULYROJHUVL DOO¶,9$66 6HUYL]LR 7XWHOD GHJOL 8WHQWL 9LD GHO
4XLULQDOH520$1HOFDVRLQYHFHODOHJLVOD]LRQHVFHOWDGDOOH3DUWLVLDGLYHUVDGDTXHOODLWDOLDQD
q SRVVLELOH SUHVHQWDUH UHFODPR DOO¶,9$66 R GLUHWWDPHQWH DO VLVWHPD HVWHUR FRPSHWHQWH FKLHGHQGR
O¶DWWLYD]LRQH GHOOD SURFHGXUD ),11(7 LO VLVWHPD q LQGLYLGXDELOH DFFHGHQGR DO VLWR
KWWSHFHXURSDHXLQWHUQDOBPDUNHWILQVHUYLFHVUHWDLOILQQHWLQGH[BHQKWP
,UHFODPLLQGLUL]]DWLDOO¶,9$66GRYUDQQRFRQWHQHUHLGDWLGHOUHFODPDQWHO¶LQGLYLGXD]LRQHGHOVRJJHWWRGLFXLVL
ODPHQWDO¶RSHUDWRHGLOPRWLYRGHOODODPHQWHODFRSLDGHOODGRFXPHQWD]LRQHUHODWLYDDOUHFODPRWUDWWDWRGDOOD
6RFLHWj HG HYHQWXDOH ULVFRQWUR IRUQLWR GDOOD VWHVVD QRQFKp RJQL GRFXPHQWR XWLOH SHU GHVFULYHUH SL
FRPSLXWDPHQWHOHUHODWLYHFLUFRVWDQ]H
,QUHOD]LRQHDOOHFRQWURYHUVLHLQHUHQWLODTXDQWLILFD]LRQHGHOOHSUHVWD]LRQLHO¶DWWULEX]LRQHGHOODUHVSRQVDELOLWj
VL ULFRUGD FKH SHUPDQH OD FRPSHWHQ]D HVFOXVLYD GHOO¶$XWRULWj *LXGL]LDULD ROWUH DOOD IDFROWj GL ULFRUUHUH D
VLVWHPLFRQFLOLDWLYLRYHHVLVWHQWL
$UELWUDWR&RQWURYHUVLH
,Q FDVR GL FRQWURYHUVLH GL QDWXUD PHGLFD VXOOD QDWXUD GHOOD PDODWWLD R LQIRUWXQLR QRQFKp VXL FULWHUL GL
LQGHQQL]]DELOLWjOH3DUWLVLREEOLJDQRDFRQIHULUHSHULVFULWWRPDQGDWRGLGHFLGHUHDGXQ&ROOHJLRGLWUHPHGLFL
QRPLQDWLXQRSHUSDUWHHGLOWHU]RGLFRPXQHDFFRUGRRLQFDVRFRQWUDULRDO&RQVLJOLRGHOO¶2UGLQHGHL0HGLFL
DYHQWHJLXULVGL]LRQHQHOOXRJRGRYHGHYHULXQLUVLLO&ROOHJLR,O&ROOHJLRPHGLFRULVLHGHQHO&RPXQH6HGHGL
,VWLWXWRGL0HGLFLQD/HJDOHSLYLFLQRDOOXRJRGLUHVLGHQ]DGHOO¶$VVLFXUDWR&LDVFXQDGHOOH3DUWLVRVWLHQHOH
SURSULHVSHVHHUHPXQHUDLOPHGLFRGDHVVDGHVLJQDWRFRQWULEXHQGRSHUODPHWjGHOOHVSHVHHFRPSHWHQ]H
SHULOWHU]RPHGLFR
$99(57(1=$ SHU OD ULVROX]LRQH GL HYHQWXDOL FRQWURYHUVLH WUD OH 3DUWL O¶$VVLFXUDWR LQ DOWHUQDWLYD D
TXDQWRSUHFHGHKDIDFROWjGLULYROJHUVLDOO¶$XWRULWj*LXGL]LDULD
$YLSRS $VVLFXUD]LRQL 6S$ q UHVSRQVDELOH GHOOD YHULGLFLWj H GHOOD FRPSOHWH]]D GHL GDWL H GHOOH
QRWL]LHFRQWHQXWLQHOODSUHVHQWH1RWD,QIRUPDWLYD
Il Rappresentante legale
ALBERTO
VACCA
'DWDXOWLPRDJJLRUQDPHQWR
You Care - Nota Informativa - Mod. n. 02713/B - ed. 05/2013 - pagina 5 di 8
*/266$5,2
$66,&85$72
,OVRJJHWWRLOFXLLQWHUHVVHqSURWHWWRGDOO¶$VVLFXUD]LRQH
$66,&85$=,21(
,OFRQWUDWWRGLDVVLFXUD]LRQH
&2175$(17(
/D%DQFDIDFHQWHSDUWHGHO*UXSSR%DQFR3RSRODUH
'$<+263,7$/
/DGHJHQ]DHVFOXVLYDPHQWHGLXUQDGRFXPHQWDWDGDFDUWHOODFOLQLFDLQ,VWLWXWRGLFXUD
',&+,$5$=,21(³%821267$72',6$/87(´
(¶ OD GLFKLDUD]LRQH FKH O¶$VVLFXUDWR FRPSLOD DOO¶DWWR GHOOD VRWWRVFUL]LRQH GHO 0RGXOR GL $GHVLRQH (VVD
FRQWLHQHXQDVHULHGLLQIRUPD]LRQLLQHUHQWLORVWDWRGLVDOXWHHOHSUHFHGHQWLPDODWWLHRLQIRUWXQLGHOO¶$VVLFXUDWR
/H GLFKLDUD]LRQL GHYRQR HVVHUH ULODVFLDWH FRQ VSHFLILFR ULFKLDPR DJOL DUWW H GHO &RGLFH
&LYLOH
(67(52
7XWWLLWHUULWRULDOGLIXRULGHOO¶,WDOLD
(8523$66,67$1&(
(XURS $VVLVWDQFH ,WDOLD 6S$ &RPSDJQLD $VVLFXUDWLYD FRQ VHGH LQ 0LODQR 3LD]]D 7UHQWR QXPHUR GL
LVFUL]LRQHDOUHJLVWURGHOOHLPSUHVHGL0LODQR5($3,9$DFXL$YLSRS
$VVLFXUD]LRQL6S$DIILGDODJHVWLRQHGHOOHJDUDQ]LHGLSROL]]D
*$5$1=,$
/DJDUDQ]LDDVVLFXUDWLYDSHUODTXDOHLQFDVRGLVLQLVWUROD6RFLHWjSURFHGHDOULFRQRVFLPHQWRGHOO¶LQGHQQL]]R
HSHUODTXDOHVLDVWDWRSDJDWRLOUHODWLYRSUHPLR
,1'(11,==2
/DVRPPDIRUIHWWDULDPHQWHLQGLFDWDLQSROL]]DFRUULVSRVWDGDOOD6RFLHWjLQFDVRGLVLQLVWUR
,1)25781,2
/
HYHQWR GRYXWR D FDXVD IRUWXLWD YLROHQWD HG HVWHUQD FKH DEELD FRPH FRQVHJXHQ]D GLUHWWD HG HVFOXVLYD
OHVLRQL ILVLFKH RJJHWWLYDPHQWH FRQVWDWDELOL FKH FDXVLQR OD PRUWH O¶LQYDOLGLWj SHUPDQHQWH R O¶LQDELOLWj
WHPSRUDQHD
,17(59(172&+,585*,&2
7HFQLFD WHUDSHXWLFD FUXHQWD DSSOLFDWD VXOO¶DVVLFXUDWR PHGLDQWH O¶XVR GL VWUXPHQWL RSHUDWRUL ILQDOL]]DWD D
ULVROYHUHXQDSDWRORJLDRXQDOHVLRQHFRQVHJXHQWHDGLQIRUWXQLR
,67,7872',&85$
/¶RVSHGDOH SXEEOLFR OD FOLQLFD R OD FDVD GL FXUD VLD FRQYHQ]LRQDWL FRQ LO 6HUYL]LR 6DQLWDULR 1D]LRQDOH FKH
SULYDWL UHJRODUPHQWH DXWRUL]]DWL DOO¶DVVLVWHQ]D RVSHGDOLHUD 6RQR HVFOXVL JOL VWDELOLPHQWL WHUPDOL OH FDVH GL
FRQYDOHVFHQ]DHVRJJLRUQROHFOLQLFKHDYHQWLILQDOLWjGLHWRORJLFKHHGHVWHWLFKH
/,0,7(',,1'(11,==2
(¶O¶LPSRUWRPDVVLPRHQWURODTXDOHOD6RFLHWjqLPSHJQDWDDGRIIULUHODSUHVWD]LRQHDVVLFXUDWLYD
You Care - Nota Informativa - Mod. n. 02713/B - ed. 05/2013 - pagina 6 di 8
0$/$77,$
2JQLDOWHUD]LRQHGHOORVWDWRGLVDOXWHQRQGLSHQGHQWHGDLQIRUWXQLR
0$/$77,$,035299,6$
/D PDODWWLD GL DFXWD LQVRUJHQ]D VL FXL O¶$VVLFXUDWR QRQ HUD D FRQRVFHQ]D H FKH FRPXQTXH QRQ VLD XQD
PDQLIHVWD]LRQHVHSSXUHLPSURYYLVDGLXQSUHFHGHQWHPRUERVRQRWRDOO¶$VVLFXUDWR
0$/$77,$35((6,67(17(
/DPDODWWLDFKHVLDO¶HVSUHVVLRQHRODFRQVHJXHQ]DGLUHWWDGLVLWXD]LRQLSDWRORJLFKHFURQLFKHRSUHHVLVWHQWH
VHQRWHHRGLDJQRVWLFDWHDOODGDWDGLVRWWRVFUL]LRQHGHOODSROL]]D
0$/$77,$21&2/2*,&$
4XDOVLDVLQHRSODVLDPDOLJQDLQYDVLYDQRQFKpLWXPRULEHQLJQLHGLPDOLJQLWjQRQVSHFLILFDWDGHOO¶HQFHIDORH
GHJOLDOWULRUJDQLGHOVLVWHPDQHUYRVRFHQWUDOH
02'8/2',$'(6,21(0$'
,OGRFXPHQWRVRWWRVFULWWRGDOO¶$VVLFXUDWRFRPSURYDQWHO¶HVLVWHQ]DHGLOFRQWHQXWRGHOODFRSHUWXUDDVVLFXUDWLYD
35(0,2
/DVRPPDGRYXWDDOOD6RFLHWj
35(67$=,21(
/¶$VVLVWHQ]D GD HURJDUVL LQ QDWXUD H FLRq O¶DLXWR FKH GHYH HVVHUH IRUQLWR DOO¶$VVLFXUDWR QHO PRPHQWR GHO
ELVRJQRGDSDUWHGHOOD6RFLHWjSHULOWUDPLWHGHOOD6WUXWWXUD2UJDQL]]DWLYD
5,&29(52
/DSHUPDQHQ]DLQXQ,VWLWXWRGLFXUDFKHFRQWHPSOLDOPHQRXQSHUQRWWDPHQWR
5,0%2562
/DUHLQWHJUD]LRQHGHOOHVSHVHVRVWHQXWHGDOO¶$VVLFXUDWRFRSHUWHGDOODJDUDQ]LD
6&23(572
/¶LPSRUWR GD FDOFRODUVL LQ PLVXUD SHUFHQWXDOH VXO GDQQR FKH SHU FLDVFXQ VLQLVWUR OLTXLGDWR YLHQH GHGRWWR
GDOO¶LQGHQQL]]R'HWWRLPSRUWRULPDQHDFDULFRGHOO¶$VVLFXUDWR
6,1,6752
/¶HYHQWR IXWXUR GDQQRVR H LQFHUWR FKH GHWHUPLQD OD ULFKLHVWD GL DVVLVWHQ]D GL ULPERUVR R GL LQGHQQL]]R GD
SDUWHGHOO¶$VVLFXUDWR
62&,(7¬
$YLSRS$VVLFXUD]LRQL6S$9LD$6FDUVHOOLQL0,ODQR
67587785$25*$1,==$7,9$
/D 6WUXWWXUD GL (XURS $VVLVWDQFH ,WDOLD 6S$ 3]]D 7UHQWR 0LODQR FRVWLWXLWD GD UHVSRQVDELOL
SHUVRQDOHPHGLFLWHFQLFLRSHUDWRULDWWUH]]DWXUHHSUHVLGLFHQWUDOL]]DWLHQRQLQIXQ]LRQHRUHVXWXWWL
LJLRUQLGHOO¶DQQRRHQWURLGLYHUVLOLPLWLSUHYLVWLGDOFRQWUDWWRHFKHLQYLUWGLVSHFLILFDFRQYHQ]LRQHSURYYHGH
SHU FRQWR GHOOD 6RFLHWj DO FRQWDWWR FRQ O¶$VVLFXUDWR DOO¶RUJDQL]]D]LRQH HG HURJD]LRQH GHOOH SUHVWD]LRQL GL
DVVLVWHQ]DSUHYLVWHLQSROL]]D
You Care - Nota Informativa - Mod. n. 02713/B - ed. 05/2013 - pagina 7 di 8
67587785(6$1,7$5,(&219(1=,21$7(
/H VWUXWWXUH VDQLWDULH RVSHGDOL LVWLWXWL XQLYHUVLWDUL FDVH GL FXUD H OH HTXLSH PHGLFKH FRQYHQ]LRQDWH FRQ
(XURS$VVLVWDQFHDOOHTXDOLO¶$VVLFXUDWRSRWUjULYROJHUVLVXLQGLFD]LRQHHSUHYLDDXWRUL]]D]LRQHGHOOD6WUXWWXUD
2UJDQL]]DWLYDSHUXVXIUXLUHGHOOHJDUDQ]LHVDQLWDULHSUHYLVWHLQSROL]]D
,Q FDVR GL ULFRYHUR SUHVVR XQD 6WUXWWXUD 6DQLWDULD &RQYHQ]LRQDWD WDOL JDUDQ]LH VRQR IRUQLWH VHQ]D FKH
O¶$VVLFXUDWRGHEEDSURYYHGHUHDGDQWLFLSLRSDJDPHQWLGLFXL(XURS$VVLVWDQFHVLIDUjFDULFRGLUHWWDPHQWHLQ
QRPHHSHUFRQWRGL$YLSRS$VVLFXUD]LRQL6S$
67587785(6$1,7$5,(121&219(1=,21$7(
6WUXWWXUH 6DQLWDULH HR (TXLSH 0HGLFKH GLYHUVH GD TXHOOH LQGLFDWH GDOOD 6WUXWWXUD 2UJDQL]]DWLYD GL (XURS
$VVLVWDQFH LQ SRVVHVVR GHL UHTXLVLWL VWDELOLWL GDOOD QRUPDWLYD GL OHJJH LQYLJRUH DOOH TXDOL O¶$VVLFXUDWR SRWUj
FRPXQTXHULYROJHUVLSHUXVXIUXLUHGHOOHJDUDQ]LHVDQLWDULHSUHYLVWHLQ3ROL]]D
You Care - Nota Informativa - Mod. n. 02713/B - ed. 05/2013 - pagina 8 di 8
Avipop Assicurazioni S.p.A.
Via A. Scarsellini 14 - 20161 Milano
www.avivaitalia.it
Tel. +39 02 2775.1
Fax +39 02 2775.204
Avipop Assicurazioni S.p.A. è una società del Gruppo Aviva
Sede legale e sede sociale in Italia Via A. Scarsellini 14 20161 Milano Capitale
Sociale Euro 63.500.000,00 (i.v.) R.E.A. di Milano 1797850 Iscrizione al Registro
delle Imprese di Milano, Codice Fiscale e Partita IVA 01979370036 Società
soggetta a direzione e coordinamento di Aviva Italia Holding S.p.A. Impresa
autorizzata all’esercizio delle assicurazioni con Provvedimento ISVAP n. 2388 del
09/11/2005 (Gazzetta Ufficiale n. 268 del 17/11/2005) Iscrizione all’Albo delle
Imprese di Assicurazione n. 1.00151 Iscrizione all’albo dei gruppi assicurativi n.
038.00002
Mod. 02713/B - Ed. 05/2013 - PDF
Il prodotto viene distribuito da: Banco Popolare Società Cooperativa, Credito Bergamasco S.p.A.,
Banca Aletti & C. S.p.A.
Fly UP