life, health, unforeseen losses or expenses of the Policyholder (Insured) depending on the insured risk.
depending on the insured risk.
- payment (reimbursement) of the cost of online doctor's consultation services (telemedicine);
ambulance (emergency) care at the place of call, carrying out primary
medical assistance with the use of medicines necessary for the condition of the Policyholder (Insured person).
medicines in the amount necessary for the condition of the Policyholder (Insured person).
volume.
- payment (compensation) for the cost of medical care and treatment services in the hospital.
treatment in
outpatient and polyclinic conditions; examination to the extent necessary to establish a diagnosis; consultations with the Insured (Insured person).
to establish a diagnosis; medical consultations.
- payment of the cost of services related to inpatient treatment, i.e.:
doctor's consultations, diagnostics, treatment, emergency operative
intervention,
medication, stay in standard type wards, nutrition
according to the norms accepted in this medical institution.
- payment (compensation) for the cost of express testing and laboratory tests for COVID-19 prescribed by the medical centre.
COVID-19 laboratory tests prescribed by a doctor in case of signs of the disease.
disease, which
confirmed by the relevant medical report, as well as outpatient and inpatient treatment of the Policyholder (Insured).
in-patient treatment of the Policyholder (Insured person) on COVID-19.
-payment (compensation) of the cost of medicines intended for the
emergency
-payment (reimbursement) of the cost of medicines intended for emergency treatment, or reimbursement of expenses in case of independent purchase in
medication prescribed by a doctor in a pharmacy
- payment (reimbursement) of the cost of emergency dental care, viz.
namely: dental examination; X-ray examination; extraction or
filling of teeth with temporary fillings, which are all or separately
are due to acute
inflammation of the soft tissues of the tooth and/or adjacent tissues, or
jaw trauma resulting from an accident.
-payment (compensation) of the cost of transportation services by land transport of the Policyholder (the Insured).
of the Policyholder (Insured person) to a medical institution, if the health condition of the Policyholder (Insured person) is in
the state of health of the Policyholder (Insured) does not allow him to
to move 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 it is necessary due to the term of the insurance contract.
If it is necessary due to medical indications.
In this case the expenses for medical evacuation are not covered.
- 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 in-patient treatment, in the place of travelling for citizens of Ukraine - up to
travelling for citizens of Ukraine - to
medical institution closest to the place of permanent (predominant) residence, and for foreign citizens of Ukraine - to the medical institution closest to the place of permanent (predominant,
registration) of residence, and for foreign citizens - to the nearest international airport or railway station to the place of permanent residence.
to the nearest international airport or railway station to the place of permanent residence
station, in case of transport by railway, in any case in the presence of
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) for citizens of Ukraine - to the place of permanent residence, for foreign citizens - to the place of permanent residence.
to the place of permanent residence, for foreign citizens - to the nearest international airport to the place of permanent residence.
permanent place of residence - to the nearest international airport, or to the nearest railway station of the airport.
railway station of the airport.
- payment (compensation) for the cost of burial services for the Policyholder's body.
(Insured person) at the place of travelling in Ukraine.
- compensation of the cost of telephone communication services of the Policyholder (Insured person) or the person representing him/her.
or a person representing his (her) interests with the Insurer in relation to the report of the insured event.
reporting the insured event.
- payment (reimbursement) of the cost of online doctor's consultation services (telemedicine);
ambulance (emergency) care at the place of call, carrying out primary
medical assistance with the use of medicines necessary for the condition of the Policyholder (Insured person).
medicines in the amount necessary for the condition of the Policyholder (Insured person).
volume.
- payment (compensation) for the cost of medical care and treatment services in the hospital.
treatment in
outpatient and polyclinic conditions; examination to the extent necessary to establish a diagnosis; consultations with the Insured (Insured person).
to establish a diagnosis; medical consultations.
- payment of the cost of services related to inpatient treatment, i.e.:
doctor's consultations, diagnostics, treatment, emergency operative
intervention,
medication, stay in standard type wards, nutrition
according to the norms accepted in this medical institution.
- payment (compensation) for the cost of express testing and laboratory tests for COVID-19 prescribed by the medical centre.
COVID-19 laboratory tests prescribed by a doctor in case of signs of the disease.
disease, which
confirmed by the relevant medical report, as well as outpatient and inpatient treatment of the Policyholder (Insured).
in-patient treatment of the Policyholder (Insured person) on COVID-19.
-payment (compensation) of the cost of medicines intended for the
emergency
-payment (reimbursement) of the cost of medicines intended for emergency treatment, or reimbursement of expenses in case of independent purchase in
medication prescribed by a doctor in a pharmacy
- payment (reimbursement) of the cost of emergency dental care, viz.
namely: dental examination; X-ray examination; extraction or
filling of teeth with temporary fillings, which are all or separately
are due to acute
inflammation of the soft tissues of the tooth and/or adjacent tissues, or
jaw trauma resulting from an accident.
-payment (compensation) of the cost of transportation services by land transport of the Policyholder (the Insured).
of the Policyholder (Insured person) to a medical institution, if the health condition of the Policyholder (Insured person) is in
the state of health of the Policyholder (Insured) does not allow him to
to move 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 it is necessary due to the term of the insurance contract.
If it is necessary due to medical indications.
In this case the expenses for medical evacuation are not covered.
- 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 in-patient treatment, in the place of travelling for citizens of Ukraine - up to
travelling for citizens of Ukraine - to
medical institution closest to the place of permanent (predominant) residence, and for foreign citizens of Ukraine - to the medical institution closest to the place of permanent (predominant,
registration) of residence, and for foreign citizens - to the nearest international airport or railway station to the place of permanent residence.
to the nearest international airport or railway station to the place of permanent residence
station, in case of transport by railway, in any case in the presence of
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) for citizens of Ukraine - to the place of permanent residence, for foreign citizens - to the place of permanent residence.
to the place of permanent residence, for foreign citizens - to the nearest international airport to the place of permanent residence.
permanent place of residence - to the nearest international airport, or to the nearest railway station of the airport.
railway station of the airport.
- payment (compensation) for the cost of burial services for the Policyholder's body.
(Insured person) at the place of travelling in Ukraine.
- compensation of the cost of telephone communication services of the Policyholder (Insured person) or the person representing him/her.
or a person representing his (her) interests with the Insurer in relation to the report of the insured event.
reporting an insured event.
- insurance of children without age limitation (from birth) and without charging additional payment in the form of surcharge.
additional payment in the form of a surcharge (i.e. payment at the general
payment (reimbursement) of the costs of medical care with the involvement, if necessary, of a specialised medical specialist.
involvement, if necessary, of narrow-profile paediatric doctors.
- payment (compensation) of the cost of medical care for sunburns,
allergic dermatitis of any origin.
payment (reimbursement) of the cost of emergency medical care for
exacerbations
chronic diseases.
- Organisation of telemedical consultation of a doctor/ online consultation of a doctor on
events that are not insured events, with the expenses for the consultation being paid by the doctor.
consultation
consultation costs shall be paid by the Policyholder (Insured person) independently and shall not be reimbursed by the Insurer;
- payment (compensation) of the cost of emergency gynaecological care in case of
pregnancy not exceeding 31 weeks;
- payment (compensation) of the cost of medical expenses in case of premature labour.
labour.
The case will be recognised as an insured case only if the premature birth began at the gestational age of 31 weeks.
labour began at a gestational period not exceeding 31 weeks.
- payment (compensation) for the cost of medical care for a newborn baby in the event of
premature births, if they began at a gestational age of not more than 31 weeks.
payment (compensation for the cost of medical assistance to a newborn child in case of premature births.
week.
- payment (compensation) for the cost of medical care in case of diseases or
injuries received as a result of or in the state of alcoholic intoxication
(except for posthumous repatriation).
- payment (compensation) for the cost of emergency medical aid rendered in case of injuries or illnesses received in the state of alcohol intoxication (except for posthumous repatriation).
in case of injuries or illnesses received as a result of terrorist acts,
military
including posthumous repatriation.
payment (compensation) for the cost of emergency medical care provided for injuries or illnesses resulting from terrorist acts, military actions and natural disasters.
- payment (compensation) for the cost of hyperbaric therapy (baro-chamber).
Compensation of expenses for payment of fixation means prescribed by a doctor in case of traumas.
injuries. The means of fixation within the scope of this paragraph include
crutches, orthoses only,
bandages and tourniquets.
- Compensation of expenses for the Policyholder's (Insured person's) stay in the place of travel after the end of the contract period.
the place of travelling after the end of the contract term, if his/her return to the place of permanent (preferential) residence is not possible.
return to the place of permanent (preferential, place of registration) residence is impossible immediately after the expiry of the contract.
residence is impossible immediately after
discharge from the hospital.
- Compensation of hotel accommodation expenses of one companion of the Policyholder
(Insured person) in the place of travelling for a period not exceeding 5 days, if
the Policyholder (Insured person) is on in-patient treatment after the expiry of the insurance contract.
after the expiry of the insurance contract.
- Compensation of round-trip economy class travel and hotel accommodation for up to 5 days.
hotel accommodation for up to 5 days for one of the adult close relatives of the Policyholder (Insured person).
close relatives of the Policyholder (Insured person) if
duration of treatment of the Policyholder (Insured person) in the hospital of the place of travel exceeds 5 days.
the place of travelling exceeds 5 days.
- compensation of expenses for early return to the country of permanent (preferential) residence by economy class.
country of permanent (preferential) residence (place of registration), if necessary, accompanying the Policyholder's (Insured person's) children to the place of travelling.
if necessary, accompaniment of the Policyholder's (Insured person's) children under 16 years of age in case of hospitalisation in the place of travel.
up to 16 years of age in case of hospitalisation or death of the Policyholder (Insured person) at the place of residence (place of registration).
(Insured person) at the place of
temporary stay.
-compensation for the cost of economy class travel to the place of permanent residence (for foreign citizens of the country of residence).
residence (for foreign citizens - country of permanent residence) of one companion of the Policyholder (Insured person).
companion of the Policyholder (Insured person) in case of his hospitalisation or death.
death.
- payment of expenses for search and rescue of the Policyholder (Insured) in the event of an accident in the mountains.
as a result of an accident in the mountains, at sea, in the forest or other remote areas, including the costs of transporting the Policyholder (Insured person) to the hospital or death.
payment of expenses for search and rescue of the Policyholder (Insured person) as a result of an accident in the mountains, at sea, in the forest or other remote areas, including expenses for transportation, including by helicopter, from the place of accident to a medical institution
from the place of accident to a medical institution, provided that such places are accessible to civil services and organisations.
civilian services and organisations are allowed to access such sites and that such costs are agreed in writing with the
agreed with
Insurer. Written agreement shall be understood to mean sending
to the Assisting Company and/or the Insurer of a notice of treatment and an estimate of the costs of treatment by internet, fax or other means.
by means of internet, fax or other means of electronic transmission of information and receiving from the Assisting Company and/or the Insurer a notice of treatment and an estimate for the treatment.
information transmission and receiving a written consent (guarantee) from the Assisting Company and/or the Insurer.
Insurer's written consent (guarantee) by the same means.
- payment (reimbursement) of the cost of online doctor's consultation services (telemedicine);
ambulance (emergency) care at the place of call, carrying out primary
medical assistance with the use of medicines necessary for the condition of the Policyholder (Insured person).
medicines in the amount necessary for the condition of the Policyholder (Insured person).
volume.
- payment (compensation) for the cost of medical care and treatment services in the hospital.
treatment in
outpatient and polyclinic conditions; examination to the extent necessary to establish a diagnosis; consultations with the Insured (Insured person).
to establish a diagnosis; medical consultations.
- payment of the cost of services related to inpatient treatment, i.e.:
doctor's consultations, diagnostics, treatment, emergency operative
intervention,
medication, stay in standard type wards, nutrition
according to the norms accepted in this medical institution.
- payment (compensation) for the cost of express testing and laboratory tests for COVID-19 prescribed by the medical centre.
COVID-19 laboratory tests prescribed by a doctor in case of signs of the disease.
disease, which
confirmed by the relevant medical report, as well as outpatient and inpatient treatment of the Policyholder (Insured).
in-patient treatment of the Policyholder (Insured person) on COVID-19.
-payment (compensation) of the cost of medicines intended for the
emergency
-payment (reimbursement) of the cost of medicines intended for emergency treatment, or reimbursement of expenses in case of independent purchase in
medication prescribed by a doctor in a pharmacy
- payment (reimbursement) of the cost of emergency dental care, viz.
namely: dental examination; X-ray examination; extraction or
filling of teeth with temporary fillings, which are all or separately
are due to acute
inflammation of the soft tissues of the tooth and/or adjacent tissues, or
jaw trauma resulting from an accident.
-payment (compensation) of the cost of transportation services by land transport of the Policyholder (the Insured).
of the Policyholder (Insured person) to a medical institution, if the health condition of the Policyholder (Insured person) is in
the state of health of the Policyholder (Insured) does not allow him to
to move 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 it is necessary due to the term of the insurance contract.
If it is necessary due to medical indications.
In this case the expenses for medical evacuation are not covered.
- 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 in-patient treatment, in the place of travelling for citizens of Ukraine - up to
travelling for citizens of Ukraine - to
medical institution closest to the place of permanent (predominant) residence, and for foreign citizens of Ukraine - to the medical institution closest to the place of permanent (predominant,
registration) of residence, and for foreign citizens - to the nearest international airport or railway station to the place of permanent residence.
to the nearest international airport or railway station to the place of permanent residence
station, in case of transport by railway, in any case in the presence of
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) for citizens of Ukraine - to the place of permanent residence, for foreign citizens - to the place of permanent residence.
to the place of permanent residence, for foreign citizens - to the nearest international airport to the place of permanent residence.
permanent place of residence - to the nearest international airport, or to the nearest railway station of the airport.
railway station of the airport.
- payment (compensation) for the cost of burial services for the Policyholder's body.
(Insured person) at the place of travelling in Ukraine.
- compensation of the cost of telephone communication services of the Policyholder (Insured person) or the person representing him/her.
or a person representing his (her) interests with the Insurer in relation to the report of the insured event.
reporting an insured event.
- insurance of children without age limitation (from birth) and without charging additional payment in the form of surcharge.
additional payment in the form of a surcharge (i.e. payment at the general
payment (reimbursement) of the costs of medical care with the involvement, if necessary, of a specialised medical specialist.
involvement, if necessary, of narrow-profile paediatric doctors.
- payment (compensation) of the cost of medical care for sunburns,
allergic dermatitis of any origin.
payment (reimbursement) of the cost of emergency medical care for
exacerbations
chronic diseases.
- Organisation of telemedical consultation of a doctor/ online consultation of a doctor on
events that are not insured events, with the expenses for the consultation being paid by the doctor.
consultation
consultation costs shall be paid by the Policyholder (Insured person) independently and shall not be reimbursed by the Insurer;
- payment (compensation) of the cost of emergency gynaecological care in case of
pregnancy not exceeding 31 weeks;
- payment (compensation) of the cost of medical expenses in case of premature labour.
labour.
The case will be recognised as an insured case only if the premature birth began at the gestational age of 31 weeks.
labour began at a gestational period not exceeding 31 weeks.
- payment (compensation) for the cost of medical care for a newborn baby in the event of
premature births, if they began at a gestational age of not more than 31 weeks.
payment (compensation for the cost of medical assistance to a newborn child in case of premature births.
week.
- payment (compensation) for the cost of medical care in case of diseases or
injuries received as a result of or in the state of alcoholic intoxication
(except for posthumous repatriation).
- payment (compensation) for the cost of emergency medical aid rendered in case of injuries or illnesses received in the state of alcohol intoxication (except for posthumous repatriation).
in case of injuries or illnesses received as a result of terrorist acts,
military
including posthumous repatriation.
payment (compensation) for the cost of emergency medical care provided for injuries or illnesses resulting from terrorist acts, military actions and natural disasters.
- payment (compensation) for the cost of hyperbaric therapy (baro-chamber).
Compensation of expenses for payment of fixation means prescribed by a doctor in case of traumas.
injuries. The means of fixation within the scope of this paragraph include
crutches, orthoses only,
bandages and tourniquets.
- Compensation of expenses for the Policyholder's (Insured person's) stay in the place of travel after the end of the contract period.
the place of travelling after the end of the contract term, if his/her return to the place of permanent (preferential) residence is not possible.
return to the place of permanent (preferential, place of registration) residence is impossible immediately after the expiry of the contract.
residence is impossible immediately after
discharge from the hospital.
- Compensation of hotel accommodation expenses of one companion of the Policyholder
(Insured person) in the place of travelling for a period not exceeding 5 days, if
the Policyholder (Insured person) is on in-patient treatment after the expiry of the insurance contract.
after the expiry of the insurance contract.
- Compensation of round-trip economy class travel and hotel accommodation for up to 5 days.
hotel accommodation for up to 5 days for one of the adult close relatives of the Policyholder (Insured person).
close relatives of the Policyholder (Insured person) if
duration of treatment of the Policyholder (Insured person) in the hospital of the place of travel exceeds 5 days.
the place of travelling exceeds 5 days.
- compensation of expenses for early return to the country of permanent (preferential) residence by economy class.
country of permanent (preferential) residence (place of registration), if necessary, accompanying the Policyholder's (Insured person's) children to the place of travelling.
if necessary, accompaniment of the Policyholder's (Insured person's) children under 16 years of age in case of hospitalisation in the place of travel.
up to 16 years of age in case of hospitalisation or death of the Policyholder (Insured person) at the place of residence (place of registration).
(Insured person) at the place of
temporary stay.
-compensation for the cost of economy class travel to the place of permanent residence (for foreign citizens of the country of residence).
residence (for foreign citizens - country of permanent residence) of one companion of the Policyholder (Insured person).
companion of the Policyholder (Insured person) in case of his hospitalisation or death.
death.
- payment of expenses for search and rescue of the Policyholder (Insured) in the event of an accident in the mountains.
as a result of an accident in the mountains, at sea, in the forest or other remote areas, including the costs of transporting the Policyholder (Insured person) to the hospital or death.
payment of expenses for search and rescue of the Policyholder (Insured person) as a result of an accident in the mountains, at sea, in the forest or other remote areas, including expenses for transportation, including by helicopter, from the place of accident to a medical institution
from the place of accident to a medical institution, provided that such places are accessible to civil services and organisations.
civilian services and organisations are allowed to access such sites and that such costs are agreed in writing with the
agreed with
Insurer. Written agreement shall be understood to mean sending
to the Assisting Company and/or the Insurer of a notice of treatment and an estimate of the costs of treatment by internet, fax or other means.
by means of internet, fax or other means of electronic transmission of information and receiving from the Assisting Company and/or the Insurer a notice of treatment and an estimate for the treatment.
information transmission and receiving a written consent (guarantee) from the Assisting Company and/or the Insurer.
Insurer's written consent (guarantee) by the same means.
- Compensation of expenses for carriage of the Policyholder's (Insured person's) passenger car
(Insured person) car on which the journey was made and which has become
unfit for further use as a result of a sudden technical breakdown or road traffic accident.
breakdown or road traffic accident (RTA) to the nearest service station.
service station
service station (STO).
- Compensation of the cost of travelling for the driver and passengers who are the
Policyholder and/ or Insured persons under the terms and conditions of the insurance contract,
concluded under this Offer to the country of permanent residence, if the car on which they are travelling is a passenger car.
the car on which they are travelling is stolen or damaged as a result of a traffic accident and further travel to the country of permanent residence.
road traffic accident and its further
its further operation is impossible. The cost of economy class travel by regular public transport
The cost of travelling in economy class by regular public transport, except air and taxis.
- Compensation of expenses for elimination of sudden technical breakdown or damage as a result of a road traffic accident of a passenger car.
damage as a result of road traffic accident of the Policyholder's (Insured person's) passenger car.
(Insured person) car on which the journey was made, or the cost of temporary storage in the parking lot, or the cost of the car.
of temporary storage in the car park,
which is protected if it cannot be repaired.
- compensation of expenses for judicial or out-of-court settlement of the dispute and/or
obtaining other services (assistance) due to damage to the life and
health of third parties, caused as a result of unintentional and negligent actions of the Policyholder.
careless actions of the Policyholder (Insured). Presence of intent
(guilt) is established in accordance with the legislation of the country of travel
and is confirmed by
relevant decisions of law enforcement and/ or judicial authorities.
- Compensation of expenses for judicial or out-of-court settlement of the dispute and/or
receiving other services (assistance) as a result of damage to the property of third parties caused by the traveller.
third parties caused as a result of unintentional and careless actions of the Policyholder (Insured).
actions of the Policyholder (Insured). Presence of intent (guilt)
is established in accordance with the legislation of the country of travel and
is confirmed by relevant decisions of
law enforcement or judicial authorities.
- Compensation of expenses for judicial or out-of-court settlement of the dispute and / or
obtaining other services (assistance) as a result of damage to the provider of the rental services as a result of unintentional damage to the traveller.
rental services as a result of unintentional damage to the rented vehicle taken by the Insured (Insured person).
The Policyholder (Insured) has rented sports equipment.
The existence of intent (guilt) shall be established in accordance with the legislation of the country of travelling and confirmed by the relevant decisions.
of the country of travelling and is confirmed by relevant decisions of
law enforcement and / or
judicial bodies.
- Compensation of expenses for judicial or out-of-court settlement of the dispute and/or
obtaining other services (assistance) as a result of engaging a lawyer and an interpreter to protect the rights of the Policyholder.
interpreter to protect the rights of the Policyholder (Insured person) during
administrative proceedings, including court proceedings for the protection of the rights of the Policyholder (Insured)
The Policyholder (Insured) after a road traffic accident that occurred with his (her)
participation.
Insurance contracts under the terms and conditions of this Offer are not concluded with individuals over 90 years of age, as well as citizens of the Russian Federation, Belarus, Syria, Iran.
aged more than 90 years, as well as citizens of the Russian Federation, Belarus, Syria, Iran,
North Korea and Myanmar, except for those who have a permanent residence permit in Ukraine.
Ukraine.
The minimum and maximum sum insured under this
insurance product:
for travelling abroad in Ukraine: from 30 000 to 100 000 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 .003% per annum and 6.33% per annum
respectively.
The minimum and maximum insurance premium is 0,9 per day and 1898
USD/Euro per year, which is recalculated in UAH according to the NBU exchange rate on the date of conclusion of the insurance contract.
of the insurance contract.
For insurance risks related to indemnification of damage caused by the Policyholder (Insured)
(Insured person) an unconditional deductible of 10%
shall be applied.
In case of insurance of risks under Programme B related to alcohol consumption, the following shall be applied
application of a deductible in the amount of 50 c.u. of the currency of the sum insured for each separate case
In case the insurance contract is concluded during the stay abroad less than three days before the beginning of the insurance period - the deductible will apply.
days before the beginning of the insurance period - a temporary deductible of 48 hours will apply, counting from the next day specified as the day of the insurance period.
which starts from the next day specified as the beginning 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:
Beginning and expiry of the period of validity of the contract concluded under the terms and conditions for persons who, as of the date of the insurance contract, are in the territory of Ukraine
on the date of insurance contract execution are on the territory of Ukraine:
● period of insurance cover (term of validity of the contract) and number of insured days
are chosen by the Policyholder independently
● the beginning of the insurance period may coincide with the date of conclusion of the insurance contract or be
later date;
● insurance cover (insurance period and number of insured days) is chosen by the Policyholder independently
● insurance cover (insurance coverage) and counting of the number of insured days
starts from the moment when the Policyholder (Insured person) passes the border control of Ukraine when travelling abroad
border control of Ukraine when travelling abroad or from 00 o'clock Kiev time of the day,
specified as the beginning of
of the insurance period (on the later date), but not earlier than the moment of payment of the insurance payment and crossing the border of Ukraine.
payment and crossing the border of Ukraine.
Insurance cover ends at the moment when the Policyholder (Insured person) crosses the border of Ukraine.
(Insured person) passing the border control of Ukraine when returning from abroad.
or at 24 hours Kiev time of the day specified as the end of the insurance period with
obligatory taking into account the number of insured days (according to the date that occurred earlier).
Beginning and expiry of the term of the contract for persons who are outside Ukraine on the date of the insurance contract conclusion
are outside Ukraine on the date of the insurance contract:
The period of insurance cover (term of the contract) and the number of insured days shall be chosen by the Policyholder independently, taking into account the term of the contract.
shall be chosen by the Policyholder independently, taking into account that the insurance contract shall be concluded
three days prior to the desired date of commencement of the insurance period (insurance cover);
In case of breach of the term specified in the above paragraph, the insurance cover shall commence to be effective through
(insurance cover) shall be effective 48 hours after the date specified as the beginning of the insurance period.
of the insurance period. At the same time, the provision of services specified in the insurance contract for this product in connection with the commencement of the insurance period shall be cancelled.
in connection with the occurrence of an accident will be provided from the date specified as the beginning of the insurance period,
specified as the commencement of the insurance period, provided that the accident has not occurred earlier than
earlier than the date of conclusion of the insurance contract and the date specified as the beginning of the term, and on condition that the insurance premium is paid
payment of the insurance premium;
Insurance cover ends at the moment when the Policyholder (Insured person) passes through
border control of Ukraine when returning from abroad or at 24 hours Kiev time of the day indicated as the end of the term
time of the day specified as the end of the insurance term with obligatory taking into account the number of insured days (by date of insurance).
insured days (according to the date that occurred earlier).
If in the individual part of the insurance contract multiple journeys are provided for
(multy), the Insurer shall be liable up to the total number of days of stay abroad specified in the insurance contract.
stay abroad specified in the contract for the insurance period. At each trip abroad
Ukraine the insurance cover period is automatically reduced by the number of days spent by the Policyholder (for each trip abroad).
days spent by the Policyholder (Insured) in the territory of the contract validity.
The beginning of the Policyholder's (Insured person's) stay abroad for each separate trip shall be determined in accordance with the notes of the Policyholder's (Insured person's)
trip is determined in accordance with the marks of the Border Guard Service in the passport of the person for foreign trips, or in accordance with the marks of the Border Guard Service in the passport for
foreign trips, or in accordance with the information (letter) of the border service of the country to which the trip was made.
to which the trip was made.
The minimum number of insured days can be 3.
.
The maximum is 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;
● 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).
occurrence of an insured event, except for actions committed in a state of extreme necessity or necessary self-defence (without exceeding the limits of the insurance indemnity).
necessary self-defence (without exceeding its limits) or cases determined by law or international customs;
● committing a deliberate criminal offence by the Policyholder (Insured),
which led to the occurrence of the 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 an insurance payment and other documents specified in the contract
● untimely submission to the Insurer of 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;
● illnesses that are a consequence of mental reaction to military events,
internal disturbances, terrorist act, plane crash, natural phenomena or
fears related to such events;
chronic, except if such events are stipulated by the terms and conditions of the insurance product;
● chronic, except if such events are stipulated by the conditions of the insurance product
and mental illnesses, even if they are detected for the first time or manifest themselves periodically;
● chronic, except if such events are stipulated by the terms of the insurance product
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 relevant surcharges have not been applied;
Other cases stipulated by the current legislation of Ukraine.
for the insurance risk ‘emergency dental care’, ‘medical care for sunburns, allergies’ of Programme B
sunburns, allergies’ of Programme B provides for a limit of insurance benefit not exceeding 1% of the sum insured
B
not exceeding 1% of the sum insured
for the insurance risk ‘compensation of the cost of telephone communication services’ programme B provides for the limit of insurance benefit not exceeding 1% of the sum insured
.
insurance payment limit not exceeding 100 c.u. of the currency of the sum insured
for the insurance risk ‘ritual services for burial of the body abroad’ there is a limit of insurance payment not exceeding 100 u.u. of the sum insured.
insurance payment limit not exceeding 10% of the sum insured
for insurance risks of programme B related to the residence of the Policyholder (Insured person), their family members, accompanying the Policyholder (Insured person)
the limit of insurance payment is provided in the amount of 100 c.u. of the currency of the insurance sum
.
100 u.u. of the currency of the sum insured per day of stay, but not more than five days
for insurance risks of programme B, related to the transport of the Policyholder
(Insured person), their family members, accompanying persons, there is a limit of insurance indemnity of not more than 400 c.u.u.
payment limit of not more than 400 u.u. currency of the sum insured for travelling in economy class
for the insurance risk of Programme B ‘search and rescue of the Insured Person’, ‘hyperbaric
hyperbaric chamber’, “payment for fixation means”, “exacerbation of chronic diseases”, ’pregnancy and childbirth
up to 31 weeks, assistance to a newborn baby’, there is a limit of insurance payment not exceeding 10% of the sum insured.
not exceeding 10% of the sum insured
for the insurance risk of programme B, related to alcohol consumption, the insurance benefit limit is provided for.
insurance benefit limit not exceeding 10% of the sum insured
for the insurance risk of programme B related to compensation of expenses for purchase of essential goods due to the delay of the insurance sum
.
essential goods due to delay of luggage for more than 6 hours,
insurance benefit limit not exceeding 1% of the sum insured
for insured risks related to travelling by own car
for insurance risks related to travelling by own car, the insurance benefit limit is not more than 200 currency units of the sum insured
In case of failure to agree with the Assisting Company on medical expenses in the amount of more than 1000 u.u. in the currency of the sum insured
.
1000 u.u. of the sum insured currency, the Insurer shall make a payment in the amount not exceeding 1000 u.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;
In case of injury or road traffic accident - ● In case of injury or road traffic accident -
an official report or certificate of the event drawn up in the country of travel, which must contain the following information
The following information must be indicated: the officials certifying the fact of 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 the insured event.
date
Insurance payment against payment for medical or other services stipulated in the terms and conditions of insurance organised by the Insurer.
services organised by the Insurer for the Policyholder (Insured person),
is made by the Insurer without the Insured's participation on the basis of invoices issued to the Insurer.
invoices issued to the Insurer.
If medical assistance to the Policyholder (Insured) has been provided without participation of the Insurer's Assisting Company.
Assisting company of the Insurer and/or the medical institution refuses to receive a full or partial guarantee from the Insurer.
full or partial guarantee from the Assisting company, the Policyholder (Insured person) shall have to
(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;
In case of injury or road traffic accident - ● In case of injury or road traffic accident -
an official report or certificate of the event drawn up in the country of travel, which must contain the following information
The following information must be indicated: the officials certifying the fact of 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 the insured event.
date
Insurance payment against payment for medical or other services stipulated in the terms and conditions of insurance organised by the Insurer.
services organised by the Insurer for the Policyholder (Insured person),
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;
In case of injury or road traffic accident - ● In case of injury or road traffic accident -
an official report or certificate of the event drawn up in the country of travel, which must contain the following information
The following information must be indicated: the officials certifying the fact of 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 made.
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 in insurance payment.
.
In case of failure to agree with the Assisting Company on medical expenses in the amount of more than
1000 u.u. of the sum insured currency, the Insurer shall make a 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.
