life, health, unforeseen losses or expenses of the Policyholder (Insured) depending on the insured risk.
depending on the insured risk.
Insurance of expenses related to rendering assistance (assistance) to persons who have found themselves in a difficult situation while travelling abroad in Ukraine for the purpose of
in a difficult situation while travelling abroad with the purpose of employment and training
employment and training:
- payment (compensation) of the cost of ambulance (emergency) services at the place of call, carrying out
primary diagnostic measures, provision of medical care with the use of medicines in the necessary for the condition of the patient's condition
medicines in the amount necessary for the condition of the Policyholder (Insured person);
- payment (compensation) for the cost of medical care and treatment services in the
payment (compensation for the cost of medical care and treatment in outpatient and polyclinic conditions; examination to the extent necessary to establish a diagnosis; medical consultations.
diagnosis; medical consultations. The limit of liability is determined in the individual part
of the insurance contract;
- payment for the cost of services related to inpatient treatment, i.e.: medical consultations,
diagnostics, treatment, emergency surgical intervention, medication,
stay in standard-type wards, food according to the norms accepted in this medical institution;
payment for the cost of services related to inpatient treatment
- payment (reimbursement) of the cost of express testing and laboratory tests for COVID-19 prescribed by a doctor
COVID-19 prescribed by a doctor in case of signs of the disease, which is confirmed by the relevant medical report, as well as the cost of rapid tests and laboratory tests for COVID-19
medical report, as well as out-patient and in-patient treatment
of the Policyholder (Insured person) on COVID-19;
- payment (compensation) of the cost of medicines intended for emergency treatment, or
compensation of expenses in case of independent purchase of medicines prescribed by a doctor from a pharmacy.
medicines. The limit of liability is determined in the individual part of the insurance contract
insurance;
- payment (compensation) for the cost of emergency dental care, namely:
dental examination; X-ray examination; extraction or filling of teeth with
temporary fillings, which all together or separately are caused by acute inflammation of the soft
tooth and/or its adjacent tissues, or jaw trauma resulting from a
accident;
- payment (compensation) of the cost of transportation services by land transport of the Policyholder
(Insured person) to a medical institution, if the state of health of the Policyholder
(Insured person) is not able to move independently;
- payment (compensation) of expenses for continuation of treatment of the Policyholder (Insured) in a hospital for up to 15 days
Inpatient hospitalisation for up to 15 days after the expiry of the insurance contract, if it is medically necessary;
- organisation and payment of the cost of the complex of services related to transportation and medical support of the Policyholder (Insured)
organisation and payment for the cost of services related to transportation and medical support of the Policyholder (Insured person) undergoing in-patient treatment from abroad to the medical institution nearest to the place of permanent residence, if there are medical indications of the need for further in-patient treatment.
medical indications of the need for further in-patient 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 the country of his/her previous permanent residence
- payment (compensation) of the cost of burial of the Policyholder's (Insured person's) body in the country where he/she died;
in the country of the place of death;
- compensation of the cost of telephone communication services of the Policyholder (Insured) or a person representing his (her) interests,
representing his (her) interests with the Insurer regarding the notification of the insured event
Insurance contracts concluded on the terms and conditions of this product are valid if the Policyholder (Insured person) has a current national visa of type D and / or national visa of type D.
The Policyholder (Insured person) has a current national visa type D and / or national visa type C (for the Czech Republic), or a similar visa for other countries, as well as confirmation of the purpose of the insurance policy.
type C visa (for the Czech Republic), or a similar visa for other countries, as well as a proof of the purpose of travelling for a long-term stay: an up-to-date employment contract (contract)
travelling purpose for a long-term stay: a current employment contract;
an invitation and/or a contract for study at a relevant educational institution; if a minor is insured together with the
If a minor is insured together with the parents, such confirmation is a national
visa type D and / or national visa type C
Insurance contracts are not concluded in respect of the following persons:
- natural persons over 70 years of age
- citizens of the Russian Federation, Belarus, Syria, Iran, North Korea and Myanmar, except for those who have a permanent residence permit
.
except for those who have a permanent residence permit in Ukraine.
- legally recognised as legally incapable;
Insurance coverage is not valid in the territory of the permanent residence of the Policyholder
(Insured person); Russian Federation; Belarus; Syria; Iran; North Korea and Myanmar.
Myanmar.
The minimum and maximum sum insured under this insurance product is from 30,000 to 100,000 euros/dollars respectively
.
000 to 100 000 euros/dollars respectively
The amount of the sum insured is specified in the individual part 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 tariff is 0.006%-0.597% respectively
The minimum and maximum insurance premiums are UAH 210 and UAH 2555
Unconditional deductible from 0 to 50 c.u. may be applied. Currencies of the sum insured
The area of operation is indicated in the treaty as the ‘Europe’ zone (graphical representation
EUROPE or EU). The Europe zone includes all countries of geographical Europe, as well as Algeria,
Egypt, Israel, Morocco, Tunisia, Turkey.
The insurance contract is not valid on the territory of:
- Ukraine, including temporarily occupied territories of Ukraine;
- countries of permanent residence, except for the countries of employment and/ or education;
- countries where hostilities are taking place;
- Locations where a state of emergency or threat of natural disaster has been officially declared
disaster;
- countries under UN supervision or sanction;
- countries that carry 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, Myanmar, Syria.
Term of insurance:
Beginning and expiry of the term of the contract for persons, who as of the date of the insurance contract are in the territory of Ukraine
are on the territory of Ukraine:
- period of insurance cover (term 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 a later date;
- 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 or from the moment when the Insured person passes the border control of Ukraine.
Ukraine border control when travelling abroad or from 00 o'clock (Kiev time) of the day specified as the beginning of the insurance period (according to the date on which the Policyholder (Insured) travelled abroad).
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.
and crossing the border of Ukraine.
- insurance defence (insurance coverage) ends at the moment of passing
The Policyholder (Insured person) passes the border control of Ukraine when returning from abroad or at 24 hours Kiev time.
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 the
obligatory taking into account the number of insured days (according to the date that occurred earlier).
Beginning and expiry of the term of validity of the contract for persons, who on the date of the insurance contract are outside Ukraine
of the insurance contract are outside Ukraine:
- period of insurance cover (term of the contract) and number of insured days
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 the insurance contract.
concluded three days prior to the desired date of commencement of the insurance period (insurance coverage);
- in case of violation of the term specified in the previous clause, the insurance cover
(insurance cover) starts to be effective 48 hours after the date specified as the beginning of the insurance period.
insurance. At the same time, the provision of the services provided for in the contract upon the occurrence of an accident will be effected from the date specified in the preceding paragraph.
of the accident will be provided from the date specified as the beginning of the insurance period, provided that the accident has occurred.
provided that the accident has not occurred earlier than on the date of conclusion of the insurance contract and the date specified as the beginning of the insurance period, and provided that the accident has not occurred earlier than on the date of
specified as the beginning of the term and provided that the insurance premium has been paid;
- insurance cover ends at the moment of passing of the Policyholder (Insured person) through the border control of Ukraine at the time of payment of the insurance premium;
.
insurance cover ends at the moment when the Policyholder (Insured) passes the border control of Ukraine when returning from abroad or at 24 hours Kiev time of the day specified as the end of the term.
time of the day specified as the end of the insurance period with obligatory taking into account the number of insured days (on the date of the insurance cover).
insured days (according to the date which occurred earlier).
If the individual part of the insurance contract provides for multiple journeys.
(‘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 term of insurance cover shall be automatically reduced by the number of days
spent by the Policyholder (Insured person) in the territory of the contract validity. Beginning of
stay of the Policyholder (Insured) abroad for each separate trip is determined in accordance with the border markings of the border guard.
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 information of the Insured (Insured) person about the travels abroad.
trips, or in accordance with the information (letter) of the border service of the country to which the trip was made.
the trip was made.
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,
and related complications (gallbladder empyema, hydronephrosis of the kidney, etc.), even if
they manifested periodically or were detected for the first time. This covers
management of acute pain until stabilisation of the condition, with the exception of operative
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 medical evacuation to the place of travel;
● medical treatment of the Policyholder (Insured) if he/she refuses medical
evacuation to the place of permanent residence. The parties have agreed that the telephone recording
of the conversation of 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 and may be used by the Insurer as evidence in case of a dispute
● 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 of a
(consultation) with a physician that does not result in a prescribed treatment or is not part of a prescribed treatment
special services, such as a private room, telephone, television, etc,
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,
baby food;
Artificial insemination, treatment of infertility, measures to prevent pregnancy;
● treatment of alcoholism, drug addiction, etc., including treatment of withdrawal syndrome.
● 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;
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 led to the occurrence of the insured event;
● presentation by the Policyholder, Insured person 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 the insured event without valid reasons and / or failure to fulfil the Insurer's obligation to notify the Insurer of the occurrence of the insured event
● untimely notification of the Insurer of the occurrence of the insured event without valid reasons and / or failure of the Policyholder (Insured person) to fulfil their obligations
the Policyholder (Insured person) fails to fulfil his/her obligations specified in the contract or legislation, if this has resulted in the impossibility of the Insurer
the Insurer to establish the fact, causes and circumstances of occurrence of the insured event or
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
● 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;
● 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’ the insurance benefit limit is stipulated.
payment limit not exceeding 1 per cent of the sum insured
for the insurance risk ‘compensation of the cost of telephone communication services’ there is a limit of insurance benefit not exceeding 100 u.u. of the currency 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’ the limit of insurance payment is provided not exceeding 100 u.u. currency of the sum insured
.
insurance payment limit not exceeding 10% of the sum insured
In case of failure to coordinate with the Assisting Company 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
Conditions of insurance payment upon occurrence of the event:
Insurance payment against payment for medical or other services stipulated by the insurance terms and conditions
The insurance payment for medical or other 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 Assisting company.
full or partial guarantee from the Assisting company, the Policyholder (Insured person) must pay such expenses himself/herself.
(Insured person) should realise such expenses on his/her own and apply to the Insurer for their reimbursement.
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 stamps on crossing the territory of the Republic of Belarus
a duly certified copy of the Policyholder's (Insured person's) passport with stamps on crossing the border of the country of residence (all pages with stamps);
- duly certified copy of the Policyholder's (Insured person's) national passport
(Insured person) national passport (all pages with marks);
- duly certified copy of the certificate of assignment of the identification number
to the Policyholder (Insured person);
- duly certified copy of the document confirming the place of registration of the Policyholder (Insured person)
of the Policyholder (Insured person) (for ID cards);
- in case of the Policyholder's (Insured person's) death as a result of an accident -
duly certified copies of the national passport of the Beneficiary and the certificate
a copy of the death certificate; the original or a notarised copy of the death certificate.
notarised copy of the certificate of right to 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 of the insured person; a document confirming the legal representative's (guardian's) national passport and a certificate of assignment of an identification number
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;
- a medical document (on a letterhead or with an appropriate stamp of a medical institution of the country of travel) about receiving medical treatment
medical document (on the 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
the patient's name, exact diagnosis, date of application for medical assistance, duration of treatment, details of the treatment and the cost of each call;
- invoices, cheques on payment for medical services and/ or purchase of medical drugs;
- in case of injury or road traffic accident - an official report or certificate drawn up in the country of travel.
in the country of travel - an official report or certificate of the event, which must contain the following information
The following information must be indicated: officials certifying the fact of the event and their authorisation to perform such actions; addresses; addresses of the persons who are responsible for the event and their authority to perform such actions; and
authorisation to perform such actions; addresses and/or telephone numbers of the persons who certified the event; a detailed description of the circumstances of the accident; and
the fact of the event; detailed description of the circumstances of the event and the Policyholder's (Insured person's) role in it; the condition of the Policyholder (Insured person) in the event
the Policyholder's (Insured person's) role in it; the Policyholder's (Insured person's) state of alcoholic, narcotic or toxic intoxication,
drug or toxic 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 event.
All documents, except for the application, may be submitted to the Insurer within three years from the date of
occurrence of the event.
Documents shall be submitted to the Insurer in Ukrainian, English, German, Polish or Russian languages.
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, must be legibly written or printed on forms and have the signatures of officials with appropriate
signatures of officials with appropriate seals, as well as the name, address and contact telephone number of the institution (person) that submits them.
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 receiving the 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
submission in copies (including notarised copies).
All documents, information and evidence shall be provided to the Insurer free of charge.
Insurance payments shall be made by cashless payment.
Insurance payments to residents of Ukraine are made on the territory of Ukraine only in hryvnias.
in hryvnias. Calculation of insurance payment in hryvnias is carried out according to the NBU exchange rate on the date of
occurrence of the insured event.
Insurance payments to non-residents of Ukraine 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.
on the date of occurrence of the event. The insurer as a tax agent withholds and pays the appropriate taxes and fees from the sum of insurance payment.
withholds and pays the appropriate taxes and fees.
Decision on insurance payment or refusal of payment 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 to make 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 making the decision with
outlining the motivation of the decision or the reasons for refusal, after which it sends the decision by mail.
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 insurance payment.
Failure to co-ordinate expenses (regardless of the amount) with the Assisting Company related to the
medical transport of the Policyholder (Insured person), ritual services
rescue services is an independent ground for refusal in insurance payment.
.
In case of failure to coordinate with the Assisting Company 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
insurance.
Class 18 insurance contracts are always concluded with Class 1 insurance.
Discounts do not apply to this product and there are no promotional offers.
