If there are signs of COVID-19 disease, confirmed by the relevant medical report, the medical expenses
insurance under program A provides for the cost of express testing and laboratory tests for COVID-19, as
well as outpatient and / or inpatient treatment prescribed by the doctor of the Insured in connection
with the COVID-19 disease.
Medical expenses insurance under program A provides for the payment of expenses for the
continuation of inpatient treatment of the Insured Person for up to 15 days after the expiration of the
insurance policy.
Program B, in addition to the conditions of insurance under program A, provides for the payment of
expenses for the continuation of outpatient treatment of the Insured Person up to 15 days after the
expiration of the insurance policy.
If after the discharge from the hospital, Insured Person will not be able immediately to return to his
country, program B provides for the payment of expenses for his stay for 5 days abroad, if this occurs
within the first 15 days after the expiration of the insurance policy.
Program B also provides for the payment of economy class transportation of the Insured Person to their
country after inpatient treatment, even after the end of the insurance policy.
Yes, all expenses for the treatment of the Insured Person, including connection to a ventilator, if
necessary under the instructions of the attending physician, are covered by insurance in full, but not
more than the sum insured specified in the policy.
No, positive test results are not grounds for an insurance claim. If you have confirmed COVID-19, then in
order to receive an insurance payment, you need to see a doctor and fix the disease. To receive the
payment, you must provide a medical report indicating the diagnosis; a PCR test is not enough.
A full description of the procedure for submitting documents for insurance compensation is here.
Yes, if you have previously taken out financial risk insurance in case of trip cancellation or interruption,
then COVID-19 disease will be an insured event and the cost of your canceled trip will be compensated
according to the terms of the insurance contract.
Yes, a refusal to enter the country of destination, if such a refusal is motivated by the suspicion of the
authorities of that country that you or your travel companions have COVID-19, will be an insured event
if this diagnosis is laboratory confirmed by the conclusion of a PCR test in Ukraine, which in turn must be
completed no later than 3 (three) days after returning to the place of permanent residence (residence).
In this case, if you have a financial risk insurance contract in case of cancellation or interruption of your
trip, you are guaranteed compensation for expenses for the interrupted trip in accordance with the
terms of the insurance contract.
