Class 18: Assistance abroad Privat Bank’

GTC Insurance of expenses related to the provision of assistance (assistance) to persons in difficulty when travelling abroad for clients of JSB Privatbank

IDSSP Insurance of expenses related to the provision of assistance (assistance) to persons in difficulty while travelling abroad for clients of JSB Privatbank

Comparative table of class 18 insurance risks in insurance programmes for PrivatBank clients

life, health, unforeseen losses or expenses of the Policyholder (Insured) depending on the insured risk. depending on the insured risk.

- emergency ambulance services at the place of call, carrying out primary diagnostic measures, provision of medical medical assistance with the use of medication in the necessary for condition of the Policyholder (Insured person) in the volume.

- payment (compensation) for the cost of medical care and treatment in outpatient clinics. medical care and treatment in outpatient-polyclinic conditions; examination in outpatient-polyclinic conditions in outpatient and polyclinic conditions; examination in to the extent necessary to establish a diagnosis; consultations with doctors.

- payment for the cost of services related to inpatient treatment, i.e. i.e.: doctor's consultations, diagnostics, treatment, urgent surgical intervention, medication, medical treatment. surgical intervention, medication, stay in standard-type wards, food according to the norms, accepted in this medical institution.

- payment (reimbursement) of the cost of medicines intended for emergency treatment, or compensation for the cost of medicines for emergency treatment, or reimbursement of expenses in case of independent purchase of prescribed medicines from a pharmacy. self-purchase of medicines prescribed by a doctor from a pharmacy. medicines.

- payment (compensation) of the cost of emergency dental care, namely: dental examination; X-ray examinations; extraction or filling of teeth with temporary fillings, which all together or separately are due to acute inflammation of the soft tissues of the tooth and/or its adjacent tissues, or jaw trauma resulting from an accident.

- payment (reimbursement) of the cost of transport services by land transport of the Policyholder (Insured person) to a medical institution, if the state of health of the Policyholder (Insured person) is in a state of health. medical institution, if the state of health of the Policyholder (Insured person) does not allow him/her to move independently. independently.

- payment (compensation) of expenses for continuation of treatment of the Policyholder (Insured person) in a hospital for up to 15 days after the expiry of the insurance contract if this medically necessary.

- organisation and payment of the cost of the complex of services related to transport and medical support of the Policyholder (Insured person), who is on inpatient treatment, from abroad to a medical institution medical treatment from abroad to the medical institution nearest to the place of permanent residence, if there are medical indications. place of permanent residence if there are medical medical indications of the need for further inpatient treatment.

- organisation and payment of the cost of the complex of services for transportation of the body (repatriation) of the Policyholder (Insured person) to the customs border of his/her country of residence. body (repatriation) of the Policyholder (Insured) to the customs border of the country of his/her previous permanent residence. permanent residence.

- compensation of the cost of telephone communication services of the Policyholder (Insured person) or a person representing his (her) interests with the Insurer on the customs border of the country of his (her) previous permanent residence. the Insured (Insured) or a person representing his (her) interests with the Insurer regarding the notification of the insured event. event. The limit of liability is determined in the individual part of the insurance contract;

- payment (compensation) for the cost of emergency medical aid provided in case of injuries or injuries to the insured person or a person representing his (her) interests.

payment (compensation for the cost of emergency medical care provided in case of injuries or illnesses received as a result of terrorist acts, military actions, and as a result of terrorist acts, military actions and natural disasters, including the cost of emergency medical care. natural disasters, including posthumous repatriation;

- compensation for the cost of transporting the Policyholder (Insured person) immediately after the end of in-patient treatment, by economic class to the place of repatriation. The cost of transportation of the Policyholder (Insured person) immediately after the end of in-patient treatment, by economy class to the place of permanent (predominant) residence (place of residence) place of permanent (preferential) residence (place of registration) in Ukraine after the end of the term If the Policyholder has missed his/her flight due to inpatient treatment his/her flight due to in-patient treatment.

- Compensation of expenses for the Policyholder's (Insured person's) stay (Insured person) abroad after the expiry of the term of the insurance contract, if his/her return to Ukraine after the expiry of the term of the insurance contract. if his/her return to the country of his/her permanent (preferential) residence or the country of permanent (preferential) residence country of permanent (preferential) residence or country of registration is impossible immediately after discharge from the hospital. In this case, payment of expenses shall be paid for a maximum of 5 days of stay, however, within the first 15 days after the end of the period of validity. within the first 15 days after the expiry of the contract;

- Compensation of hotel accommodation expenses for one companion of the Policyholder (Insured person) abroad for a period not exceeding 5 days, if the Policyholder (Insured person) stays in a hotel for no more than more than 5 days, if the Policyholder (Insured person) is on in-patient treatment after the expiry of the term of validity of the insurance contract. of the insurance contract. The limit of liability is determined in individual part of the insurance contract;

- Compensation of round-trip economy class travel costs and hotel accommodation costs for up to 5 months The cost of round-trip economy class travel and hotel accommodation for up to 5 for one of the adult close relatives of the Policyholder (Insured person) of the Policyholder (Insured if the duration of treatment of the Policyholder (Insured) (Insured in a hospital in the country of temporary stay exceeds 5 days. days.

- Compensation of expenses for early return by economic class to the country of permanent (preferential) residence. to the country of permanent (preferential) residence (place of registration), if necessary. (place of registration), if necessary, accompaniment of children of the Policyholder (Insured person) under the age of 16 years in case of hospitalisation or death of the Policyholder (Insured person) at the place of temporary stay.

- payment of expenses for search and rescue of the Policyholder (Insured person) as a result of an accident in the mountains, on the sea, in the forest or other remote areas, including с costs of transport, including by helicopter, from the place of the accident to a medical institution.

- Compensation of the Policyholder's (Insured person's) expenses on purchase of first necessity items (e.g: clothing underwear, personal hygiene products, glasses, panama hats, etc.), without which it is impossible to do without, as a result of the accident. which cannot be dispensed with, as a result of delay of the luggage for a period of more than 6 hours from the moment of arrival of the Policyholder (Insured person) to the country of temporary stay.

- Compensation of the Policyholder's (Insured person's) expenses on registration of lost personal documents (passports), necessary for returning to the country of permanent residence.

- compensation of expenses for carriage of a passenger car of the Policyholder (Insured person) on which the trip was performed and which has become unusable for the car. travelling and which has become unsuitable for further exploitation operation due to a sudden technical breakdown or road traffic accident (RTA), to the nearest service station. service station (

- Compensation of the cost of travelling for the driver and passengers who are the Policyholder and/ or Insured persons under the terms of the insurance contract concluded under this insurance contract. under the terms and conditions of the insurance contract concluded under this Offer to the nearest technical service station (service station). country of of permanent residence, if the car on which they are travelling is stolen, or if the car on which they are travelling is stolen. they are travelling in has been stolen or damaged as a result of a traffic accident and its further operation is impossible. The cost of economy class travel by regular by regular public transport, except air and taxi. taxi.

- Compensation of expenses for elimination of sudden technical breakdown or damage as a result of road traffic accident of a passenger car of the Policyholder (Insured person). the car of the Policyholder (Insured person) on which the trip was travelled, or the cost of the temporary transport. the car of the Policyholder (Insured person) on which the journey was made, or the cost of temporary storage in the car park that protected, if it cannot be repaired.

- compensation of expenses for judicial or extrajudicial settlement of the dispute and/or other services (assistance) as a as a result of harm to life and health of third parties, caused as a result of unintentional and careless actions of the Policyholder (Insured). actions of the Policyholder (Insured) person).

- compensation of expenses for judicial or extrajudicial dispute settlement and/or other services (assistance) as a result of damage to property of third parties, caused as a result of unintentional and careless actions of the Policyholder (Insured).

- compensation of expenses for judicial or extrajudicial dispute settlement and / or obtaining other services (assistance) as a result of causing damage to the rental service provider as a result of unintentional actions of the Policyholder (Insured person). as a result of unintentional damage to the sports equipment rented by the Policyholder (Insured). sports equipment hire.

- compensation of expenses for judicial or out-of-court settlement of the dispute and / or obtaining of the sports equipment rented by the Policyholder (Insured person). settlement of the dispute and / or other services (assistance) as a result of hiring a lawyer and interpreter for the sports equipment rented by the Policyholder (Insured person). as a result of engaging a lawyer and an interpreter to protect the rights of the Policyholder (Insured). Policyholder's (Insured person's) rights during administrative administrative processes, including court proceedings for the defence of the rights of the Policyholder (Insured) The Policyholder (Insured person) after a road traffic accident, which occurred with his (her) participation. Liability limit is determined in the individual part of the insurance contract. В In any case, an unconditional deductible in the amount of 10% of the amount of damage shall be deducted from the insurance indemnity. unconditional deductible in the amount of 10% of the amount of damage subject to indemnification in accordance with the terms and conditions of insurance

Insurance contracts are not concluded in respect of the following persons:

Individuals over 80 years of age

Citizens of the Russian Federation, Belarus, Syria, Iran, North Korea and Myanmar, except for those who have a permanent residence permit in Ukraine. except for those who have a permanent residence permit in Ukraine

● citizens of the Russian Federation

● legally recognised as legally incapable;

● insurance coverage is not valid in the territory of the permanent residence of the Policyholder (Insured person); Russian Federation; Belarus; Syria; Iran; North Korea and Myanmar;

● insurance coverage is not valid in the territory of the permanent place of residence of the Policyholder (Insured person). Insurance of risks related to travelling by own car is covered only for cars of the term of validity. The insurance covers only cars with a service life of not more than five years

Expenses for evacuation, repatriation of the body, burial of the body abroad, search and rescue, and as well as medical expenses in the amount exceeding 1000 c.u. of the sum insured shall be made by prior agreement with the Assisting Company or the Insurer. Insurer

The minimum and maximum sum insured under this insurance product:

for travelling abroad in Ukraine: from 30 000 to 75 000 euros/dollars respectively The amount of the sum insured is specified in the individual part of the insurance contract. of the insurance contract.

In case of insurance of several persons, the indicated sum insured is the sum insured separately for each of the Insured persons

The minimum and maximum insurance rate is 0.0024% and 0.0113% per day

Accordingly, the minimum and maximum insurance premiums are 0.72 and 3.38 USD/Euro per day, which is converted into UAH according to the NBU exchange rate on the date of conclusion of the insurance contract. insurance contract

The amount of the deductible shall be determined in the individual part of the insurance contract or in the terms and conditions of the insurance product. of the insurance product. If there is no information on the amount of deductible in the individual part of the insurance contract or in the terms and conditions of the insurance product of the insurance contract or the terms and conditions of the insurance product, it is considered to be equal to zero.

If the insurance contract is concluded during the stay abroad, the following shall apply temporary deductible for a period of 48 hours starting from the date specified as the beginning of the insurance period. of the insurance period.

The territory of validity is specified in the contract as:

The geographical zone ‘Europe’ (graphical representation of EUROPE or EU). The ‘Europe’ zone includes all countries of geographical Europe, as well as Algeria, Egypt, Israel, Morocco, Tunisia, Turkey or

The geographic zone ‘World’ (World or W), which includes all the countries of the of the world. The insurance contract is not valid on the territory of:

Ukraine, including temporarily occupied territories of Ukraine;

● countries of permanent residence;

● countries where hostilities are being conducted;

● countries where warfare is taking place;

● areas where a state of emergency or a threat of natural disaster has been officially declared;

● countries of permanent residence disaster;

● countries under UN supervision or sanction;

● countries that are under UN supervision or sanction;

Countries carrying out armed aggression against Ukraine (including the Russian Federation, the Republic of Belarus, etc.) Russian Federation, Republic of Belarus, etc.);

● on the territory of Iran, North Korea, etc. ● in the territory of Iran, North Korea, Myanmar, Syria;

● in the territory of Iran, North Korea, Myanmar, Syria. Term of insurance:

The beginning and the end of the insurance term shall be chosen by the Policyholder independently. If the insurance contract is concluded before the beginning of the trip, the nearest date of the beginning of the insurance term may be 00:00 hours 00 minutes of the next day. of the insurance period may be 00:00 hours 00 minutes of the day following the date of conclusion of the insurance contract and payment of the insurance premium. insurance contract and payment of the insurance premium or be a later date.

If the insurance contract is concluded during the Policyholder's (Insured person's) stay in a travelling The beginning of the insurance period may be not earlier than 48 hours from the date of conclusion of the insurance contract and payment of the insurance payment. insurance contract and payment of the insurance premium. If the beginning of the insurance period chosen by the Policyholder of the insurance period will be earlier than that defined in the first part of this clause, in order to avoid fraudulent actions, the insurance cover will come into effect 48 hours after the date specified as the commencement of the insurance period, except in the case of cover for an accident or death of the Policyholder (Insured) which did not occur on or before the date and time of conclusion of the contract and paid by the Insured. earlier than the date and time of conclusion of the contract and payment of the insurance premium.

Insurance cover ends at the moment of returning to the permanent (primary) place of residence (place of registration) or at 24 hours Kiev time of the day specified as the the end of the insurance period with obligatory taking into account the number of insured days (according to the date, earlier).

The minimum number of insured days may be 3 days Maximum - 365 days.

Exclusions from insured events are:

The Insurer shall not pay or reimburse the cost of treatment and services related to such diseases and events:

Treatment of chronic diseases, congenital anomalies (malformations), deformations and chromosomal disorders, autotoxic disorders, autoimmune diseases. chromosomal disorders, autoimmune diseases, cholelithiasis, urolithiasis, urinary diseases, and related complications (gallbladder empyema, hydronephrosis of the kidney, etc.), even if the patient's health is not affected by the disease. etc.), even if they manifested periodically or were detected for the first time. In this case acute pain management is covered until stabilisation of the condition, except for surgical intervention;

● neoplasms (including oncological diseases), endocrine system diseases, diabetes mellitus, even if they have been detected periodically or for the first time. diabetes, even if they were detected for the first time;

● Nervous diseases (except neuritis), neuroses (panic attacks, hysterical states, depressions, etc.), mental diseases and disorders;

● sexually transmitted diseases, immunological diseases, immunological disorders, etc. venereal diseases, immunodeficiency state, AIDS;

● diseases of blood and hematopoietic organs;

epidemic and pandemic diseases;

● Covid-19 testing at the request of the Policyholder (Insured person) without a referral from the treating doctor. if the result is negative;

● epidemic and chronic lunar diseases;

● acute and chronic radiation sickness;

Medical assistance in pregnancy (except for ectopic pregnancy, termination of pregnancy), as well as childbirth;

● Medical assistance in pregnancy (except for ectopic, termination of pregnancy) medical care during pregnancy (except for ectopic pregnancy, termination of pregnancy), as well as childbirth;

Medical services related to abortion of the Policyholder (Insured person), except for forced termination of pregnancy;

● Medical services related to abortion of the Policyholder (Insured person). except for involuntary termination of pregnancy on medical grounds;

any health disorders, complications or death due to failure to fulfil the recommendations of the any health disorders, complications or death due to non-compliance with the recommendations of the attending physician, side effects of medicines that were not prescribed by the physician, as well as side effects of nutritional supplements;

● ● diseases or consequences (complications) Diseases or consequences (complications) of viral hepatitis, tuberculosis;

● diseases and disorders of the hearing organs, except for acute diseases of the hearing organs. Also not The expenses related to washing of the ear lobe (wax plugs, ingress of water, etc.) are not covered. water, etc.);

Eye diseases related to contact lens care and allergic conjunctivitis;

conjunctivitis;

● fungal and dermatological diseases, as well as allergic dermatitis of any allergic dermatitis of any origin, first and second degree sunburns, insect stings, jellyfish stings, seaweed;

Injuries or illnesses that occurred before the beginning of the insurance period and/or in the territory of the permanent place of residence, even if they occurred in the territory of the permanent place of residence

● Injuries or illnesses that occurred before the commencement of the insurance period and/or in the territory of permanent residence, even if they were first discovered, which resulted in medical or additional expenses during the trip, as well as illnesses, that occurred after the Policyholder (Insured) returned from the trip;

● further treatment of the Policyholder (Insured) if he/she refuses from medical evacuation to the place of permanent residence. The parties have agreed that A telephone recording of a conversation between the Policyholder (Insured) or his/her relatives to the Assisting Company or Insurer regarding the refusal of medical evacuation shall be equal to a written refusal of medical evacuation. shall be equal to a written refusal and may be used by the Insurer as evidence in case of disputes;

● medical examination, is not the result of acute pain, sudden illness and bodily injury; the provision of services which are not reasonably necessary or medically urgent, including follow-up examinations by a physician and/ or examination (consultation) of a doctor, the results of which are not prescribed treatment or are not included in the treatment prescribed by a doctor; provision of such services that are not reasonably necessary or urgent from the medical point of view, including special services, such as a private room, telephone, television, and the like; and the provision of special services, such as a telephone, television, and the like, telephone, television and the like;

● Services and treatment that can be postponed until the return from travelling, including surgical operations that can be replaced before the end of the journey with a course of conservative treatment, etc. by a course of conservative treatment, etc.;

High-tech manipulations and operations on heart and blood vessels, including angiography, coronary angiography, coronary angiography, coronary angiography and coronary angiography. angiography, coronarography, angioplasty, bypass surgery, stenting, installation of an artificial pacemaker, etc. artificial pacemaker, etc.;

Diagnostic services: consultations, laboratory tests and other activities that are not

● diagnostic services: consultations, laboratory tests and other activities not prescribed by the doctor or the Assisting Company as necessary to establish diagnosis for further treatment;

prophylactic vaccinations;

medical examinations and laboratory tests not related to the insured event;

● medical examinations and laboratory tests not related to the insured event

All types of plastic and cosmetic surgeries and procedures, all types of prosthetics, organ transplants;

● dental treatment, except as specified in the terms and conditions of the contract;

Physiotherapeutic, rehabilitation treatment and treatment with non-traditional methods;

● Therapeutic recreation, sanatoriums, health centres;

● therapeutic recreation, sanatorium-resort and health-improving treatment, as well as spa procedures;

● therapeutic holidays;

● purchase or repair of auxiliary aids (such as pacemakers, glasses, contact lenses, hearing aids, inhalers, prostheses, crutches, wheelchairs, measuring devices, etc.), aids for metal osteosynthesis (pins, screws, plates, pins, screws, plates, pins and similar materials), purchase of general tonic preparations, hygiene products and baby food;

Artificial insemination, treatment of infertility, measures to prevent pregnancy;

● treatment of alcoholism, drug addiction, etc., including treatment of withdrawal syndrome;

● medical evacuation, treatment of infertility, pregnancy prevention measures;

● medical evacuation, repatriation, burial abroad organised without written agreement (co-ordination) with the Assisting Company and \ or the Insurer regardless of the amount of expenses;

regardless of the amount of expenses;

Expenses when the trip was organised with the intention of receiving medical treatment;

self-medication, as well as treatment provided by spouses, parents or children;

● the need for personalised care;

● the need for personal care, patronage, protection;

● living expenses (except for accommodation) Living expenses (except if such reasons are stipulated in the terms and conditions of the insurance), food, etc. insurance), food, etc., including during the stay in self-isolation, quarantine, observation, etc., as well as during outpatient treatment;

● expenses for accommodation (except for the reasons provided for in the terms and conditions of the insurance) ● continuation of treatment of the Policyholder (Insured person) after his/her return from the trip to the place of permanent residence (residence) travel to the place of permanent stay (residence), as well as the expenses are not indemnified, which are covered at the expense of social, medical insurance and other security;

● expenses provided for by the social, medical insurance and other security;

● no reimbursement of expenses provided for by the insurance terms and conditions in a specific contract limit, for which a prior written agreement (consent) with the The Assisting Company and the Insurer, and such agreement (consent) has not been made;

● The expenses provided for by the insurance terms and conditions within the limit specified in the contract shall not be reimbursed. was not made;

moral damage;

events and cases defined in the Offer;

● other events and expenses that are not included in the selected insurance programme or that occurred before the beginning or after the end of the insurance term

● other events and expenses that are not included in the selected insurance programme or occurred before the beginning or after the end of the insurance period or not in the territory of the contract

The following are also independent grounds for refusal to make an insurance payment are:

Intentional acts or omissions of the Policyholder (Insured person) aimed at the occurrence of an insured event, except for the actions of the Policyholder (Insured person). the occurrence of an insured event, except for actions committed in a state of extreme necessity or necessary self-defence (without the necessary self-defence). or necessary self-defence (without exceeding its limits) or cases, defined by law or international customs;

● committing a deliberate criminal offence by the Policyholder (Insured), which resulted in the occurrence of an insured event;

● presentation by the Policyholder, the Insured or the person in favour of whom the insurance payment is to be made submission of knowingly false information about the object of insurance by the Policyholder, the Insured or the person in favour of whom the insurance payment is to be made, location of the Policyholder (Insured) as of the date of conclusion of the insurance contract, or about the fact and cause of the insurance payment. the fact and reasons of occurrence of the insured event. Proof of the location location of the Policyholder (Insured person) as of the date of conclusion of the contract shall be the following relevant border crossing marks in the passport for travelling abroad;

hindering the Insurer in determining the circumstances, nature and amount of losses;

● untimely notification of the Insurer of the occurrence of an insured event without a valid reason and / or failure to notify the Insurer of the occurrence of an insured event

● failure to notify the Insurer of the occurrence of the insured event without valid reasons and / or failure of the Policyholder (Insured person) to fulfil his / her the Policyholder (Insured person) fails to fulfil his/her obligations defined by the contract or legislation, if this has resulted in impossibility of the Insurer to establish the fact, causes and circumstances of occurrence of the insured event or the amount of the inflicted damage. the insured event or the amount of the caused damage (losses);

untimely submission to the Insurer of a written application to receive the insurance payment and other documents specified in the contract.

● failure to timely submit to the Insurer a written application for insurance payment and other documents specified in the insurance contract;

failure to fulfil the Insurer's instructions in the process of settlement of the insured event;

● failure to comply with the Insurer's instructions in the process of settlement of the insured event;

● illnesses that are a consequence of mental reaction to military events, domestic disturbances, terrorist act, air crash, natural phenomena or fears related to such events;

chronic, except if such events are stipulated in the terms and conditions of the insurance product chronic, except if such events are stipulated by the terms and conditions of the insurance product, and mental illnesses, even if they are detected for the first time or occur periodically;

● insurance of persons above the established age limit or insurance of persons without the application of surcharges;

● insurance of persons without surcharges;

● performance by the Policyholder (Insured person) of any type of physical work, engaging in active tourism, sports and extreme sports, if such risks have not been insured and the respective premiums have not been applied;

Other cases stipulated by the current legislation of Ukraine.

Limits are set depending on the chosen insurance programme and the sum insured sum insured

In case of failure to agree with the Assisting Company on medical expenses in the amount of more than 1,000 c.u. of the sum insured. 1000 c.u. of the sum insured currency, the Insurer shall make a payment in an amount not exceeding 1000 c.u. of the sum insured currency. currency of the sum insured

Insurance benefit against payment for medical or other services stipulated by the insurance terms and conditions services organised by the Insurer for the Policyholder (Insured), is performed by the Insurer without participation of the Insured on the basis of invoices issued to the Insurer. invoices issued to the Insurer.

If medical aid to the Policyholder (Insured) was rendered without participation of the Insurer's Assisting Company, the Insurer shall organise the medical aid for the Policyholder (Insured) without participation of the Insured. Assisting company of the Insurer and/or the medical centre refuses to receive a full or partial guarantee from the Insurer. full or partial guarantee from the Assisting company, the Policyholder (Insured person) must (Insured person) shall incur such expenses himself/herself and apply to the Insurer for their reimbursement. Insurer for their reimbursement.

In case the Policyholder (Insured) pays for medical or additional services on his/her own, the Policyholder (Insured) shall pay for such expenses and apply to the Insurer for reimbursement. additional services, the Policyholder (Insured person) within 30 calendar days from the event that has occurred earlier, namely the event that occurred earlier, namely the end of the trip during which the insured event occurred or the end of the validity of the insured event. the insured event or the end of the insurance period, shall submit to the Insurer an application for the insurance the Insurer an application for the insurance benefit in the form established by the Insurer, which can be downloaded from the website of the Insurer. Insurer, which can be downloaded on the Insurer's website.

The following documents shall be attached to the application for payment of insurance indemnity:

Insurance contract;

duly certified copy of the Policyholder's (Insured person's) foreign passport with a mark of the passport. (Insured person) passport with stamps on crossing the border of the country of stay (all pages with stamps);

● the insurance contract with stamps);

duly certified copy of the Policyholder's (Insured person's) national passport (all pages with stamps) (Insured person) (all pages with stamps);

duly certified copy of the certificate of assignment of identification number to the Policyholder (Insured person);

● duly certified copy of the certificate of assignment of identification number identification number of the Policyholder (Insured person);

● duly certified copy of the certificate on assignment of identification number to the Policyholder (Insured person);

duly certified copy of the document confirming the place of registration of the Policyholder (Insured person);

● duly certified copy of the document confirming the place of registration of the Policyholder (Insured) (for ID cards);

● in case of death of the Policyholder (Insured) In case of the Policyholder's (Insured person's) death as a result of an accident

● in case of death of the Policyholder (Insured person) as a result of an accident - duly certified copies of the national passport of the of the Beneficiary and a certificate of assignment of his/her identification number; a copy of the death certificate; the original or the death certificate; original or notarised copy of the certificate of the right to inheritance inheritance;

● 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 the right of inheritance (guardian) and a certificate of assignment of an identification number, birth certificate the document confirming the establishment of guardianship over the insured person;

The document confirming the establishment of guardianship over the insured person

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 relevant stamp of a medical institution of the country of travel) about receiving medical treatment in the country of travel medical document (on a company letterhead or with the appropriate stamp of a medical institution of the country of travelling) on receiving medical assistance during the trip with the following information ● medical document (company letterhead or with the appropriate stamp of the medical institution of the country of travel) about the medical assistance received during the trip, including: patient's name, exact diagnosis, date of request for the patient's name, exact diagnosis, date of seeking medical assistance, duration of treatment, details of the medical services provided, diagnostics, diagnosis, diagnosis and treatment. medical services provided, diagnostics, prescribed medication with indication of their quantity and cost, as well as information on the amount and cost of the medication. their quantity and cost, as well as information about the Policyholder's (Insured person's) condition with regard to alcohol, drugs, alcoholism, drug addiction, alcoholism and drug addiction. the condition of the Policyholder (Insured) with regard to alcoholic, narcotic or toxic intoxication;

invoices, cheques on payment for medical services and/ or on purchase of medical drugs medicines in case of injury or road traffic accident - ● an official report drawn up in the country of travel an official report or certificate of the event drawn up in the country of travel, which must include the following information The following information must be included: the officials certifying the event and their names, the officials certifying the event and their authorisation to do so; the addresses and/or 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). of the event and the role of the Policyholder (Insured person) in it; the condition of the Policyholder (Insured person) in relation to the event (Insured person) state of alcoholic, narcotic or toxic intoxication;

intoxication;

Taking into account the circumstances of the occurred event, the Insurer has the right to demand additional documents to confirm the fact and circumstances of occurrence of the insured event, as well as to determine the amount of the insurance indemnity. The Insurer has the right to request additional documents to confirm the fact and circumstances 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 occurrence of the event.

date of occurrence of the event.

Documents shall be submitted to the Insurer in Ukrainian, English, German, Polish or Russian languages. or Russian languages. If the documents are drawn up in another language, an official notarised translation of these documents shall be provided. notarised translation of these documents into Ukrainian. All documents that submitted to the Insurer shall be legibly written or printed on letterheads and have signatures of officials with appropriate seals, as well as the name, address and contact telephone number of the institution (person) that submits them to the Insurer. telephone number of the institution (person) that issued them. Bills (invoices, invoices) and financial documents confirming the fact of payment (cheques, receipts, warrants, etc.) shall be provided in the original. original.

Documents for insurance payment shall be submitted (sent by post) directly to the Insurer's office in paper form in the original (except for those for which it is determined to be submitted in copies (in the mail). The documents shall be submitted (sent by mail) directly to the Insurer's office in hard copy in the original (except for those for which it is determined to submit in copies (including notarised copies). All documents, information and evidence shall be provided Insurer free of charge. Insurance payments shall be made by non-cash payment.

Insurance payments to residents of Ukraine are made on the territory of Ukraine exclusively in hryvnias. Calculation of insurance payment in hryvnia is carried out according to the exchange rate of the NBU as of the date of occurrence of the insured event. NBU on the date of occurrence of the insured event.

Insurance payments to non-residents of Ukraine are made abroad in the currency of the insured sum. of the sum insured. In case of necessity to recalculate the realised expenses in currency of the sum insured, such recalculation shall be made in accordance with the NBU exchange rate on the date of occurrence of the insured event. day of occurrence of the event. The insurer as a tax agent shall withhold and pay the appropriate taxes from the sum of insurance payment. withholds and pays the appropriate taxes and duties.

Decision on insurance payment or refusal to pay shall be made by the Insurer within 20 (twenty) working days from the day of occurrence of the event. (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 the decision to make the insurance payment has been taken.

The Insurer shall make the insurance payment within 5 (five) banking days after the decision to make the insurance payment has been made. If there are reasons to doubt the validity (legality) of the insurance payment, the Insurer may postpone the decision on the insurance payment. The Insurer may postpone the decision on payment until confirmation or refutation of these reasons is received for a period of time not exceeding the term of the insurance payment. refutation of these reasons for a period not exceeding 45 (forty-five) working days.

On refusal to make the insurance payment or decision on postponement of the decision to make the insurance payment The Insurer shall notify the Policyholder (Insured person, Insured person, Insured person) in writing of the refusal to make the insurance payment or of the decision to postpone the decision on the insurance payment (Insured person, Beneficiary) to the e-mail address specified in the application for insurance payment within 5 (5) days. insurance payment within 5 (five) working days from the moment of taking the decision with outlining the motivation for the decision or the reasons for refusal, after that sends the decision by post

Failure to report the occurrence of an insured event in a timely manner without valid reasons may be an independent ground for refusal of the insurance payment. be an independent ground for refusal of the insurance payment.

Failure to co-ordinate expenses (regardless of the amount) with the Assisting company related to medical transport of the Policyholder (Insured), ritual services, search and rescue is an independent ground for refusal of insurance payment. In case of failure to agree with the Assisting Company on medical expenses in the amount of more than 1,000 c.u. of the currency of the Insurance Indemnity. 1000 u.u. of the sum insured currency, the Insurer shall make the payment in the amount not exceeding 1000 u.u. of the sum insured currency. currency of the sum insured.

In case of non-payment of 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 that are not insured. Class 18 insurance contracts are always concluded in conjunction with Class 1 insurance

Discounts do not apply to this product and there are no promotional offers.

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