The object of insurance is the life and health of the Policyholder (Insured person)
temporary loss of the policyholder's (insured person's) general labour capacity,
for at least 5 days, as a result of an accident (temporary loss of general labour capacity is understood as a stay in an outpatient or inpatient hospital).
temporary loss of general labour capacity is understood as a stay in outpatient or inpatient treatment for at least 5 days as a result of an accident, except for the period of the accident.
treatment for at least 5 days as a result of the accident, except for the period of
for rehabilitation treatment) or
permanent loss of the policyholder's (insured person's) general labour capacity
(establishment of primary disability group I, II or IIII) as a result of an accident or
death of the policyholder (insured person) as a result of an accident.
Accident insurance contracts are not concluded in respect of the following persons:
- Individuals over 90 years of age, unless otherwise provided for in the Offer
- citizens of the Russian Federation, Belarus, Syria, Iran, North Korea and Myanmar,
except for those who have a permanent residence permit in Ukraine.
- legally recognised as legally incapable;
- insurance coverage is not valid in the territory of permanent residence
The Policyholder (Insured person); Russian Federation; Belarus;
Syria; Iran; Syria; North Korea and Myanmar.
Minimum and maximum sum insured under this insurance product:
- for travelling outside Ukraine: from 3000 to 10 000 euros/dollars respectively
- for travelling within Ukraine: from ___ UAH to _____ UAH
The minimum and maximum insurance rate is 0.00004% and 0.00024% per day respectively.
Minimum and maximum amount of insurance premium:
- for travelling abroad Ukraine 0,15 and 2,40 USD/EUR per day
- for travelling within Ukraine is _______________ hryvnias per day
.
Insurance payment is converted into hryvnia according to the NBU exchange rate on the date of conclusion of the insurance contract.
The insurance premium shall be paid in one instalment
Doesn't apply.
The territory of validity of the insurance cover is specified in the individual part of the insurance contract as a separate country or one geographical area
in the individual part of the insurance contract as a separate country or one of the geographical zones:
- ‘Europe’ (EUROPE): all countries of geographical Europe, as well as: Algeria, Egypt, Israel, Morocco, Tunisia, Turkey, Egypt
also: Algeria, Egypt, Israel, Morocco, Tunisia, Turkey, Egypt;
- WORLD: all countries of the world;
- ‘Ukraine’: the territory of Ukraine
At the same time, the agreement is not valid on:
- the territory of the locality of permanent residence;
- temporarily occupied territories of Ukraine;
- countries where hostilities are taking place;
- areas where a state of emergency or threat of natural disaster has been officially declared;
- countries under UN supervision or sanction;
- countries that are carrying out armed aggression against Ukraine
(including the Russian Federation, the Republic of Belarus, etc.);
- on the territory of Iran, North Korea, Myanmar, Syria;
The validity of the insurance contract starts from the moment of boarding
the Policyholder (Insured) into the vehicle
at the starting point of the trip specified in the contract for tourist services.
but not earlier than the beginning of the insurance period specified in the insurance contract
The insurance period of the Policyholder (Insured) shall end at the end point of the journey specified in the travel service contract.
in the travel service contract, when leaving the vehicle
in Ukraine (if the trip started from Ukraine) or at the end of the insurance period.
with obligatory taking into account the number of insured days (according to the date that occurred earlier).
Minimum number of insured days can be 1 day.
Maximum - 365 days
Exclusions from insured events are:
1. illnesses that are not the result of an accident of the policyholder (insured person) (except for tetanus)
of the policyholder (insured person) (except for tetanus,
rabies, encephalitis transmitted by tick bites);
1.
2. therapeutic recreation, rehabilitation, sanatorium-resort and health-improving treatment, as well as spa procedures;
.
treatment, as well as spa procedures;
3.
3. an accident that occurred as a result of an illness that is a consequence of a mental reaction to the war;
3.
is a consequence of a mental reaction to military events,
internal disturbances, terrorist act, air crash or
fears related to such events;
4.
4. an accident that occurred as a result of chronic or
mental illnesses, even if they occur periodically;
5.
5. insurance of persons over 65 years of age without additional payment (surcharge);
5.
6. Injuries or illnesses due to an accident,
as a result of a road traffic accident,
including when using a car, bicycle, motorbike,
moped, hydro and quad bike, hydro scooter, snowmobile, boat, motor boat, etc., if:
- the policyholder (insured person) drove the vehicle
without having a relevant driving licence
- the policyholder (insured person) drove the vehicle in a state of alcoholic, narcotic or toxic intoxication,
narcotic or toxic intoxication, or under the influence of psychotropic and toxic substances;
- the policyholder (insured person) has handed over the driving of the vehicle to another person, who has not been in possession of the vehicle.
the policyholder (insured person) has transferred the driving of the vehicle to another person who did not have the relevant driving licence;
- the policyholder (insured person) was in the vehicle as a passenger, except for the driver's licence;
the policyholder (insured person) was in the vehicle
the policyholder (insured person) was in the vehicle as a passenger, except for public transport,
which was driven by a person who was in a state of
alcoholic, narcotic or toxic intoxication, or under the influence of psychotropic and toxic substances.
under the influence of psychotropic and toxic substances;
- the insured has neglected and failed to use the means of safety (protection) both together and under the influence of psychotropic and toxic substances
safety (protection) both together and separately, such as: seatbelt, helmet, helmet, helmet, helmet, helmet, helmet, helmet, helmet, helmet, helmet
safety belt, helmet, helmet, lifejacket, as well as other safety equipment provided for by the rules of transport operation.
safety equipment provided for by the rules of vehicle operation;
- the risk of engaging in active tourism, sports and extreme sports was not covered by an additional insurance premium;
7. events that occurred before the conclusion of the insurance contract,
as well as those that occurred after the expiry of the insurance contract;
7.
8. death of the policyholder (insured person) which is not the result of an accident;
8.
Additional grounds for refusal to make an insurance payment are:
1. wilful acts or omissions of the policyholder (insured person) aimed at the occurrence of an insured event, except for the following: 1.
aimed at the occurrence of an insured event, except for actions committed in the state of extreme necessity or necessary self-defence (
1.
extreme necessity or necessary self-defence (without exceeding its limits)
or cases determined by law or international customs;
2. committing by the policyholder (insured person) of a deliberate criminal offence, which led to the occurrence of the insured event;
2.
criminal offence committed by the policyholder (insured person) which led to the occurrence of the insured event;
3.
3. submission by the policyholder, the insured person or the person in favour of whom the insurance benefit is to be paid;
3.
submission by the policyholder, insured person or person in favour of whom the insurance payment is to be made, of knowingly false information about the object of insurance, place of insurance
knowingly false information about the object of insurance, location of the policyholder (insured person) on the date of the insured event;
3.
(insured person) as of the date of conclusion of the insurance contract,
or about the fact and reasons of occurrence of the insured event. Proof
provision of information about the location of the Policyholder (Insured) as of the date of conclusion of the Insurance Contract shall be the relevant marks of the Insurance Contract.
on the date of conclusion of the contract is the relevant border crossing marks in the foreign passport.
4. hindering the insurer in determining the circumstances, nature and amount of losses;
4.
5. untimely notification of the insurer about the occurrence of the insured event without valid reasons and / or/.
5. untimely notification of the insured event to the insurer without valid reasons and / or failure of the policyholder (insured person) to fulfil his duties.
(insured person) failure to fulfil his/her obligations defined by the contract or legislation, if it has led to the impossibility to fulfil these obligations.
If this has resulted in the insurer's inability to
to establish the fact, causes and circumstances of occurrence of the insured event or the amount of the caused damage (loss)
accident or the amount of the caused damage (losses);
6.
6. untimely submission of documents to the insurer of a written
application for insurance payment and other documents specified in the insurance contract;
7.
7. failure to fulfil the insurer's instructions in the process of settlement of the insured event;
8.
8. illnesses that are a consequence of mental reaction to military events, internal disturbances;
8.
to military events, internal disturbances, terrorist act,
air crash or fears related to such events;
9.
9. chronic and mental illnesses, even if they are detected for the first time or occur periodically;
9.
for the first time or manifested periodically;
10.
10. insurance of persons aged from birth to 3 years, as well as
from 65 to 80 years old without additional payment (surcharge);
10.
11. other cases stipulated by the current legislation of Ukraine;
11.
Also events that occurred as a result of:
1. social unrest, strikes or emergency (including martial law).
(incl. martial law) state; action of a nuclear incident
or ionising radiation; use of nuclear, chemical or biological weapons;
2.
2. acts of terrorism, natural disasters, except if otherwise
except as otherwise provided for by the insurance languages, who have got into a difficult
situation while travelling outside of Ukraine;
3. committing suicide or attempted suicide by the policyholder
(except for cases when the insured person has been brought to such a state by the insured person);
3.
the Insured has been brought to such a state by unlawful actions of third parties);
4.
4. realisation or attempted realisation by the policyholder (insured person) of unlawful actions of third parties;
4.
(except in cases when the insured person has been brought to such a state by third parties);
4.
are in direct causal connection with the insured event, which is established by the competent authorities;
7.
7. active participation in war (declared or undeclared),
civil war, combat or military actions;
7.
8. exposing the policyholder (insured person) to unjustified risk,
conscious danger (except for saving life)
The Insurer does not make insurance payments related to compensation for moral damage.
the following benefit limits are stipulated for insured events:
- Temporary loss of the policyholder's (insured person's) total labour capacity the limit of liability is not more than 30%;
the limit of liability is not more than 30%;
- permanent loss of labour capacity, namely, establishment of disability (I, II, III group)
(I, II, III group) as a result of an accident - from 60% to
100 per cent depending on the stability (disability group);
- death - 100 per cent.
The Insurer shall make insurance payment:
- in case of temporary loss of general labour capacity due to an accident - in the amount of 0.5% of the sum insured for each day of the accident.
in the amount of 0.5 per cent of the sum insured for each day of the accident.
documented health disorder, except for the period of rehabilitation treatment, starting from the sixth day of the accident.
rehabilitation treatment starting from the sixth day, but in total not more than 30% of the sum insured;
- in case of primary disability as a result of an accident:
Group I - in the amount of 100% of the sum insured;
Group II - in the amount of 75 per cent of the sum insured;
Group III - in the amount of 60% of the sum insured.
- in case of death as a result of an accident - in the amount of 100 per cent of the sum insured.
Within 30 calendar days from the event that occurred earlier, i.e. the end of the trip during which the accident occurred or the end of the trip.
during which the accident occurred or the expiry of the insurance contract.
(depending on which event occurred earlier).
The Policyholder (Insured person) shall be obliged to submit to the Insurer an application
on realisation of insurance payment according to the form established by the insurer,
which can be downloaded on the insurer's website.
The application for payment of insurance indemnity shall include:
- original insurance contract;
- duly certified copy of the insured person's (insured person's) passport with the mark of the insured person's passport
(insured person) passport with border crossing marks
the country of stay (all pages with stamps);
- duly certified copy of the national passport of the policyholder (insured person)
of the policyholder (insured person) (all pages with stamps);
- duly certified copy of the certificate of assignment of the identification number (taxpayer's card)
identification number (taxpayer's card) to the policyholder (insured person);
a duly certified copy of the certificate of assignment of the identification number (taxpayer's card) to the insured person;
- duly certified copy of the document confirming the place of registration of the insurant (the insured person);
place of registration of the insurant (insured person) (if ID cards);
- invoices for telephone calls with the insurer, on which the telephone number and the cost of each call are indicated
telephone number and the cost of each call;
- medical document (on a letterhead or with a
medical document (on a company letterhead or with an appropriate stamp of a medical institution of the country of travel)
about receiving medical assistance during the trip, indicating:
patient's surname, exact diagnosis, date of request for medical care
the patient's name, exact diagnosis, date of seeking medical assistance, duration of treatment, detailed data on the medical services provided
medical services, diagnostics, prescribed medicines with their quantity and cost, as well as information on the medical services provided
information on the insured person's condition with regard to alcohol, drug or alcoholic beverages.
regarding alcoholic, narcotic or toxic intoxication;
- in case of continuation of treatment after returning from the trip - a certificate
from a medical institution in Ukraine with indication of the Insured person's name, diagnosis, date of treatment
name of the Insured, diagnosis, date of treatment and duration of treatment
(except for the period of rehabilitation treatment), certified by a
signature, stamp of the responsible person (attending physician) and stamp of the medical institution;
- in case of injury or road traffic accident -
an official report or
a certificate of the event, where the following information must be specified
the following information: the officials certifying the fact of the
the officials certifying the event and their authorisation to perform such actions; addresses and/or telephone numbers of the persons certifying the event; and the addresses and/or telephone numbers of the persons certifying the event.
telephone numbers of the persons who certified the event; a detailed description of the circumstances of the event and the role of the policyholder (the insured person).
the circumstances of the event and the policyholder's (insured person's) role in it;
the state of the insured with regard to alcoholic, narcotic or toxic intoxication;
- in case the policyholder (insured person) has been diagnosed with primary
disability as a result of an accident that took place during the trip - a medical-social-social report.
travelling - a conclusion of the medical and social expert commission on the establishment of the primary disability of the insured
establishment of the primary disability of the Insured as a result of an accident that took place during the trip - the conclusion of the medical and social expert commission on the establishment of the primary disability of the Insured as a result of
accident or its notarised copy;
- in case of death of the policyholder (insured person) as a result of an accident - duly certified copy thereof
in case of death of the policyholder (insured person) due to an accident - duly certified copies of the beneficiary's national
passport of the beneficiary and a certificate of assignment of identification number (taxpayer card) to him/her.
a copy of the death certificate; an original or a notarised copy of the identification number (taxpayer's card) of the beneficiary; a copy of the death certificate; an original
or notarised copy of the inheritance certificate;
- in case of insurance payment to the legal representative (guardian) -
duly certified copies of the national passport of the legal representative (guardian) and the certificate of right to inheritance
legal representative (guardian) - duly certified copies of the national passport of the legal representative (guardian) and a certificate of assignment of an identification number to the legal representative (guardian).
number, birth certificate of the insured person; a document confirming the establishment of guardianship over the insured person.
establishment of guardianship over the insured person.
Taking into account the circumstances of the occurred event, the insurer has the right to
to demand additional documents to confirm the fact and circumstances of the insured event, as well as to demand additional documents to confirm the fact and circumstances of the insured event.
occurrence of the insured event, as well as to determine the amount of the insurance payment.
All documents, except for the application, may be submitted to the insurer within three years from the date of the event.
three years from the date of occurrence of the event.
Documents shall be submitted to the insurer in Ukrainian, English, German,
Polish or Russian languages. If the documents are drawn up in another language,
an official translation of these documents into Ukrainian shall be provided.
All documents submitted to the insurer must be legibly
written or printed on letterheads and have signatures of officials with appropriate stamps, as well as
appropriate seals, as well as the name, address and contact telephone number of the institution (person) that issued them.
name, address and contact telephone number of the institution (person) that issued them.
Documents for insurance payment are submitted (sent by mail)
directly to the insurer's office in paper form in the original (except for those for which it is determined that they should be submitted in copies),
for which it is determined to submit in copies (including notarised copies).
All documents, information and evidence shall be provided to the insurer free of charge.
Insurance payments for risks ‘temporary loss of general labour capacity’ and
‘establishment of primary disability as a result of an accident’.
are paid directly to the adult insured person, and in the case of
if the insured is a minor, to his/her legal representative (guardian)
Insurance payments under the risk ‘death of the insured person’ are made to
to the beneficiaries - heirs determined in accordance with the current legislation or court decision
Insurance payments shall be made to beneficiaries - heirs determined in accordance with the current legislation or court decision.
Insurance payments are made non-cash.
Insurance payments to residents of Ukraine are made on the territory of Ukraine only in hryvnias.
Ukraine exclusively in hryvnias. Calculation of insurance payment in hryvnias
is carried out according to the NBU exchange rate on the date of occurrence of the insured event.
Insurance payments to non-residents of Ukraine shall be made abroad in the currency of the sum insured.
The decision on insurance payment or refusal in payment is made by the insurer
within 20 (twenty) working days from the date of receipt by the insurer of all necessary documents provided in the order of the insurer.
The insurer shall make a decision on insurance payment or refusal to pay out within 20 (twenty) working days from the date of receipt by the insurer of all necessary documents submitted in accordance with the procedure stipulated by the terms and conditions of the contract.
The Insurer shall make the insurance payment within 5 (five) banking days
after making a decision on insurance payment or insurance indemnity.
If there are grounds for doubts regarding the validity (legality) of the
The insurer may postpone the decision on payment until it receives
confirmation or refutation of these reasons for a period not exceeding 45 (forty-five) working days.
On refusal to make an insurance payment (insurance indemnity) or on making a decision to postpone the decision on payment.
decision on postponement of the decision on payment of insurance indemnity
The insurer shall notify the insured person in writing to the e-mail address
specified in the application for insurance indemnity within 5 (five)
working days from the moment of taking the decision with a statement of the motivation of the taken decision or justification of the reasons for refusal.
The insurer shall notify the insured person in writing to the e-mail address indicated in the application for insurance indemnity within 5 (five) working days after the decision is made, stating the motivation for the decision or the reasons for refusal, after which it shall send the decision by post.
Failure to report the occurrence of an insured event in a timely manner without a valid reason may be an independent ground for refusal of the insurance payment.
The failure to timely report the occurrence of the insured event without valid reasons may be an independent ground for refusal of the insurance payment.
Failure to pay the insurance premium in the amount and within the terms specified in the contract,
the contract shall be deemed not concluded and the insurance cover shall not be valid.
The product is not additional to other goods, works or services,
which are not insurance.
Class 1 insurance contracts are always concluded with Class 18 insurance.
Discounts do not apply to this product and there are no promotional offers.
