"Travel insurance for holders of bank cards of CB “PRIVATBANK” travelling outside Ukraine, annual contracts for multiple trips for which can be concluded in the Privat24 application and in branches of JSB “PRIVATBANK”
life, health, ability to work; and / or property in possession, use and disposal of the property and / or possible losses or expenses; and / or liability for damage caused to the person or his property
Insurance of expenses related to rendering assistance (assistance) to persons who have got into a difficult situation while travelling abroad in Ukraine includes:
1. payment (compensation) for emergency (urgent) aid at the place of call, carrying out of primary diagnostic measures, provision of medical aid with the use of medicines to the extent necessary for the condition of the Policyholder (Insured person).
2. payment (compensation) for the cost of medical care and treatment services in outpatient and polyclinic conditions; examination to the extent necessary to establish a diagnosis; medical consultations.1,2
3. payment of the cost of services related to inpatient treatment, i.e.: consultations of doctors, diagnostics, treatment, emergency surgical intervention, medication, stay in standard-type wards, nutrition according to the norms accepted in the medical institution. The Insurer shall pay the cost of treatment abroad within the limits of its liability (sum insured) established by these insurance terms and conditions only until the time when the state of health of the Policyholder (Insured), according to the doctor's decision, will allow evacuating him/her to the country of permanent residence1,2.
4. payment (compensation) of the cost of medicines prescribed by a doctor for emergency treatment according to a prescription issued by a doctor, or compensation of expenses in case of independent purchase of medicines prescribed by a doctor according to a prescription issued by a pharmacy.
5. payment (compensation) of the cost of emergency dental care, namely: dental examination; X-ray examination; extraction or filling of teeth with temporary fillings, which together or separately are caused by acute inflammation of the soft tissues of the tooth and/or adjacent tissues, or jaw trauma resulting from an accident, except for caries treatment.
6. payment (compensation) of the cost of transportation services by land transport of the Policyholder (Insured) to a medical institution, if the health condition of the Policyholder (Insured) does not allow to move independently, in particular, but not exclusively in case of injuries, high temperature.
7. organisation (if possible) and payment (compensation) of the cost of the complex of services related to the transportation and medical accompaniment of the Policyholder (Insured) undergoing in-patient treatment from abroad to the medical institution nearest to the place of permanent residence, provided that there are medical indications of the need for further in-patient treatment. The Insurer shall not indemnify the expenses for continuation of treatment and rehabilitation of the Policyholder (Insured) after his/her return to the country of permanent residence. If a doctor authorised by the Insurer considers that evacuation of the Policyholder (Insured) is possible and the Policyholder (Insured) refuses it, the Insurer shall immediately stop paying the cost of treatment services for the Policyholder (Insured).
8. organisation (if possible) and payment of the cost of the complex of services for transportation of the body (repatriation) of the Policyholder (Insured) to the customs border of the country of his/her previous permanent residence, except for transportation of the urn with the ashes of the deceased Policyholder (Insured) after cremation. If local regulations require the body to be transported in a coffin, the Insurer shall organise and pay for the purchase of such a coffin. A prerequisite for organising repatriation is that the relatives of the deceased Policyholder (Insured) submit a written application-confirmation of readiness to collect the body after crossing the state border.
9. compensation of the cost of telephone communication services of the Policyholder (Insured) or a person representing his (her) interests with the Insurer regarding the notification of the insured event.
Insurance against an accident while travelling abroad in Ukraine includes
- Death of the insured (the insured person) as a result of an accident.
Insurance of expenses related to provision of assistance (assistance) to persons who are in a difficult situation while travelling abroad of Ukraine shall include
1. payment (indemnity) for ambulance (emergency) care at the place of call, primary diagnostic measures, provision of medical care with the use of medicines to the extent necessary for the condition of the Insured (the Insured person).
2. payment (compensation) for the cost of medical care and treatment services in outpatient settings; examination to the extent necessary to establish the diagnosis; consultations with doctors.1,2
3. payment of the cost of services related to inpatient treatment, i.e.: medical consultations, diagnostics, treatment, emergency surgery, medication, stay in standard wards, meals according to the standards adopted by the medical institution. The Insurer shall pay the cost of treatment abroad within the limits of its liability (sum insured) established by these insurance terms and conditions only until the Insured's (the Insured person's) health condition, according to the doctor's decision, allows evacuation to the country of permanent residence1,2.
4. payment (reimbursement) of the cost of medicines prescribed by a doctor for emergency treatment according to a prescription, or reimbursement of expenses in case of self-purchase of medicines prescribed by a doctor according to a prescription in a pharmacy.
5. payment (compensation) for the cost of emergency dental care, namely: dental examination; X-ray examination; removal or filling of teeth with temporary fillings, which together or separately are caused by acute inflammation of the soft tissues of the tooth and/or adjacent tissues, or jaw injury caused by an accident, except for caries treatment.
6. payment (compensation) of the cost of services for transportation of the Insured (the Insured person) by land transport to a medical institution, if the health condition of the Insured (the Insured person) does not allow moving independently, in particular, but not exclusively in case of injuries, high temperature.
7. organisation (if possible) and payment (compensation) of the cost of a range of services related to transportation and medical support of the Insured (the Insured person) undergoing inpatient treatment from abroad to a medical institution closest to the place of permanent residence, provided that there are medical indications for the need for further inpatient treatment. The Insurer shall not indemnify for the costs of continuing treatment and rehabilitation of the Insured (the Insured person) after his/her return to the country of permanent residence. If a doctor authorised by the Insurer believes that evacuation of the Insured (the Insured person) is possible and the Insured (the Insured person) refuses to do so, the Insurer shall immediately stop paying for the cost of treatment of the Insured (the Insured person).
8. arranging (if possible) and paying the cost of a set of services for transporting the body (repatriation) of the Insured (the Insured person) to the customs border of the country of his/her previous permanent residence, except for transporting the urn with the ashes of the deceased Insured (the Insured person) after cremation. If local regulations require that the body is transported in a coffin, the Insurer shall arrange and pay for the purchase of such a coffin. A prerequisite for organising repatriation is that the relatives of the deceased Insured (the Insured person) provide a written statement confirming their readiness to pick up the body after crossing the state border.
9. compensation for the cost of telephone communication of the Insured (the Insured person) or a person representing his/her interests with the Insurer regarding notification of an insured event.
10. THE PROGRAMME COVERS RISKS RELATED TO ACTIVE TOURISM
Insurance against an accident while travelling abroad in Ukraine includes:
1. death of the insured (the insured person) as a result of an accident.
Insurance of expenses related to provision of assistance (assistance) to persons who are in a difficult situation while travelling abroad of Ukraine shall include
1. payment (indemnity) for ambulance (emergency) care at the place of call, primary diagnostic measures, provision of medical care with the use of medicines to the extent necessary for the condition of the Insured (the Insured person).
2. payment (compensation) for the cost of medical care and treatment services in outpatient settings; examination to the extent necessary to establish the diagnosis; consultations with doctors.1,2
3. payment of the cost of services related to inpatient treatment, i.e.: medical consultations, diagnostics, treatment, emergency surgery, medication, stay in standard wards, meals according to the standards adopted by the medical institution. The Insurer shall pay the cost of treatment abroad within the limits of its liability (sum insured) established by these insurance terms and conditions only until the Insured's (the Insured person's) health condition, according to the doctor's decision, allows evacuation to the country of permanent residence1,2.
4. payment (reimbursement) of the cost of medicines prescribed by a doctor for emergency treatment according to a prescription, or reimbursement of expenses in case of self-purchase of medicines prescribed by a doctor according to a prescription in a pharmacy.
5. payment (compensation) for the cost of emergency dental care, namely: dental examination; X-ray examination; removal or filling of teeth with temporary fillings, which together or separately are caused by acute inflammation of the soft tissues of the tooth and/or adjacent tissues, or jaw injury caused by an accident, except for caries treatment.
6. payment (compensation) for the cost of transportation of the Insured (the Insured person) by land transport to a medical institution if the Insured's (the Insured person's) health condition does not allow him/her to move independently, in particular, but not exclusively in case of injuries, high temperature.
7. payment (compensation) of expenses for continuation of treatment of the Insured (the Insured person) in a hospital for up to 15 days after expiry of the insurance contract, if it is necessary for medical reasons. In this case, the costs of medical evacuation shall not be covered1,2.
8. organisation (if possible) and payment (compensation) of the cost of a range of services related to transportation and medical support of the Insured (the Insured person) undergoing inpatient treatment from abroad to a medical institution closest to the place of permanent residence, provided that there are medical indications for the need for further inpatient treatment. The Insurer shall not indemnify for the costs of continuing treatment and rehabilitation of the Insured (the Insured person) after his/her return to the country of permanent residence. If a doctor authorised by the Insurer considers that evacuation of the Insured (the Insured person) is possible and the Insured (the Insured person) refuses to do so, the Insurer shall immediately stop paying for the cost of treatment of the Insured (the Insured person).
9. arranging (if possible) and paying the cost of a set of services for transporting the body (repatriation) of the Insured (the Insured person) to the customs border of the country of his/her previous permanent residence, except for transporting the urn with the ashes of the deceased Insured (the Insured person) after cremation. If local regulations require that the body is transported in a coffin, the Insurer shall arrange and pay for the purchase of such a coffin. A prerequisite for organising repatriation is that the relatives of the deceased Insured (the Insured person) provide a written statement confirming their readiness to pick up the body after crossing the state border.
10. compensation for the cost of telephone communication between the Insured (the Insured person) or a person representing his/her interests and the Insurer regarding notification of an insured event.
11. payment (compensation) for the cost of emergency medical care provided in case of injuries or illnesses caused by terrorist acts and natural disasters, including posthumous repatriation1,2.
12. compensation for the cost of transportation of the Insured (the Insured person) immediately after completion of inpatient treatment, in economy class to the place of permanent (predominant) residence (place of registration) in Ukraine after expiry of the insurance contract, if the Insured missed his/her flight due to inpatient treatment. In this case, medical evacuation is not covered.
13. indemnification of expenses for accommodation of the Insured (the Insured person) abroad after expiry of the contract if his/her return to the country of permanent (predominant) residence or the country of registration is impossible immediately after discharge from the hospital.
14. indemnification for expenses for accommodation in a hotel of one companion of the Insured (the Insured person) abroad for a period not exceeding 5 days if the Insured (the Insured person) is in hospital after the expiry of the insurance contract
15. reimbursement of round-trip economy class travel costs and hotel accommodation costs for up to 5 days for one of the Insured's (the Insured's) adult close relatives if the duration of the Insured's (the Insured's) inpatient treatment in the country of temporary stay exceeds 5 days.
16. reimbursement of expenses for early return by economy class to the country of permanent (predominant) residence (place of registration), if necessary, accompaniment of the Insured's (the Insured person's) children under 16 years of age in case of hospitalisation or death of the Insured (the Insured person) at the place of temporary stay.
17. payment of expenses for search and rescue of the Insured (the Insured person) as a result of an accident in the mountains, at sea, in the forest or other remote areas, including transportation expenses, including by helicopter (if possible and available), from the place of accident to a medical institution, provided that civil services and organisations are allowed to such places
18. indemnification of the Insured's (the Insured person's) expenses for purchase of essentials (e.g. underwear, personal hygiene products (except for decorative cosmetics), glasses, panama hat, etc.), which cannot be dispensed with, due to delay of luggage for more than 6 hours from the moment of arrival of the Insured (the Insured person) to the country of travel.
19. indemnification of expenses of the Insured (the Insured person) for issuance of lost personal documents (passports) required for returning to the country of permanent residence
20. compensation for expenses for judicial or out-of-court settlement of a dispute and/or other services (assistance) as a result of damage to life and health of third parties caused by unintentional and negligent actions of the Insured (the Insured person). The existence of intent (fault) shall be established in accordance with the laws of the country of travel and confirmed by relevant decisions of law enforcement and/or judicial authorities.
21. compensation of expenses for judicial or out-of-court settlement of a dispute and/or other services (assistance) due to damage to property of third parties caused as a result of unintentional and negligent actions of the Insured (the Insured person). The existence of intent (fault) shall be established in accordance with the legislation of the country of travel and confirmed by relevant decisions of law enforcement and/or judicial authorities.
22. compensation of expenses for judicial or out-of-court settlement of a dispute and/or obtaining other services (assistance) as a result of losses incurred to the rental service provider due to unintentional damage of sports equipment rented by the Insured (the Insured person). The existence of intent (fault) shall be established in accordance with the legislation of the country of travel and confirmed by relevant decisions of law enforcement and/or judicial authorities.
23. indemnification for expenses for judicial or out-of-court settlement of a dispute and/or other services (assistance) due to engagement of a lawyer and interpreter to protect the rights of the Insured (the Insured person) during administrative proceedings in connection with occurrence of risks provided for in p.p. 20-22.
24. compensation of expenses for transportation of the Insured's (the Insured person's) car, which was used for travelling and became unfit for further use as a result of sudden technical breakdown or road traffic accident (RTA), to the nearest service station. Insurance terms and conditions under this clause shall apply only to the Insured (the Insured person) travelling by their own technically sound car with a service life of not more than 5 years (determined from the date of issue).
25. indemnification of travel costs for the driver and passengers who are the Insured and/or the Insured persons under the terms and conditions of the insurance contract concluded under this Offer to the country of permanent residence, if the car they are travelling in is stolen or damaged as a result of an accident and its further operation is impossible. The cost of economy class travel by regular public transport, except for air and taxi, shall be indemnified. Insurance terms and conditions under this clause shall apply only to the Insured (the Insured person) travelling by their own technically sound car, the service life of which is not more than 5 years (determined from the date of issue);
26. indemnification of expenses for elimination of sudden technical breakdown or damage as a result of an accident of the Insured's (the Insured person's) car used for the trip, or the cost of temporary storage in a guarded parking lot if it cannot be repaired. Insurance terms and conditions under this clause shall apply only to the Insured (the Insured person) travelling by their own technically sound car with the service life of not more than 5 years (determined from the date of issue).
Insurance against an accident while travelling abroad in Ukraine includes:
- permanent loss of general working capacity by the insured (the insured person) (establishment of primary disability of group I, II or III) as a result of an accident or
death of the insured (the insured person) as a result of an accident.
Baggage insurance shall include the fact that the Insured (the Insured person) has incurred losses caused by damage, destruction or loss of baggage.
.
Financial risks insurance shall include the fact of losses incurred by the Insured (the Insured person) due to impossibility of travelling as a result of sudden, unforeseen and unintentional event that occurred after the conclusion of the insurance contract and before the date of commencement of the trip, and as a result of which the Insured (the Insured person) was forced to cancel (refuse, cancel) the trip, namely
1. death of the Insured (the Insured person), his/her family member or travelling companion, including as a result of military operations;
2. injury, including as a result of hostilities, or sudden illness, including COVID-19, requiring outpatient treatment of the Insured (the Insured person), or his/her family member or travelling companion;
3. destruction of the Insured's (the Insured person's) real estate as a result of fire, natural disasters, unlawful acts of third parties or as a result of military actions by the aggressor, provided that the property is located no closer than 50 km to the line of combat contact (settlements of the line of combat contact include settlements located in the territories of active hostilities adjacent to the occupied territory and included in the relevant list, which is periodically updated by the Ministry of Reintegration);
4. failure to obtain (refusal to issue) an entry visa by the Insured (the Insured person) or any of his/her family members or a companion travelling together with the Insured (the Insured person);
5. delay in issuance of visa to the Insured (the Insured person) or any of his/her family members or travelling companion travelling together with the Insured (the Insured person);
6. issuance of a visa to the Insured (the Insured person) or his/her family member or travelling companion for a period other than the one requested, which makes the previously booked trip impossible;
7. failures, malfunction of machinery and other unforeseen technical malfunctions with the means of water transport (liner, motor ship), the trip (cruise) on which was booked and paid for, which resulted in cancellation (reversal) of the trip;
Insurance of expenses related to provision of assistance (assistance) to persons who are in a difficult situation while travelling abroad of Ukraine shall include
1. payment (indemnity) for ambulance (emergency) care at the place of call, primary diagnostic measures, provision of medical care with the use of medicines to the extent necessary for the condition of the Insured (the Insured person).
2. payment (compensation) for the cost of medical care and treatment services in outpatient settings; examination to the extent necessary to establish the diagnosis; consultations with doctors.1,2
3. payment of the cost of services related to inpatient treatment, i.e.: medical consultations, diagnostics, treatment, emergency surgery, medication, stay in standard wards, meals according to the standards adopted by the medical institution. The Insurer shall pay the cost of treatment abroad within the limits of its liability (sum insured) established by these insurance terms and conditions only until the Insured's (the Insured person's) health condition, according to the doctor's decision, allows evacuation to the country of permanent residence1,2.
4. payment (reimbursement) of the cost of medicines prescribed by a doctor for emergency treatment according to a prescription, or reimbursement of expenses in case of self-purchase of medicines prescribed by a doctor according to a prescription in a pharmacy.
5. payment (compensation) for the cost of emergency dental care, namely: dental examination; X-ray examination; removal or filling of teeth with temporary fillings, which together or separately are caused by acute inflammation of the soft tissues of the tooth and/or adjacent tissues, or jaw injury caused by an accident, except for caries treatment.
6. payment (compensation) for the cost of transportation of the Insured (the Insured person) by land transport to a medical institution if the Insured's (the Insured person's) health condition does not allow him/her to move independently, in particular, but not exclusively in case of injuries, high temperature.
7. payment (compensation) of expenses for continuation of treatment of the Insured (the Insured person) in a hospital for up to 15 days after expiry of the insurance contract, if it is necessary for medical reasons. In this case, the costs of medical evacuation shall not be covered1,2.
8. organisation (if possible) and payment (compensation) of the cost of a range of services related to transportation and medical support of the Insured (the Insured person) undergoing inpatient treatment from abroad to a medical institution closest to the place of permanent residence, provided that there are medical indications for the need for further inpatient treatment. The Insurer shall not indemnify for the costs of continuing treatment and rehabilitation of the Insured (the Insured person) after his/her return to the country of permanent residence. If a doctor authorised by the Insurer considers that evacuation of the Insured (the Insured person) is possible and the Insured (the Insured person) refuses to do so, the Insurer shall immediately stop paying for the cost of treatment of the Insured (the Insured person).
9. arranging (if possible) and paying the cost of a set of services for transporting the body (repatriation) of the Insured (the Insured person) to the customs border of the country of his/her previous permanent residence, except for transporting the urn with the ashes of the deceased Insured (the Insured person) after cremation. If local regulations require that the body is transported in a coffin, the Insurer shall arrange and pay for the purchase of such a coffin. A prerequisite for organising repatriation is that the relatives of the deceased Insured (the Insured person) provide a written statement confirming their readiness to pick up the body after crossing the state border.
10. compensation for the cost of telephone communication between the Insured (the Insured person) or a person representing his/her interests and the Insurer regarding notification of an insured event.
11. payment (compensation) for the cost of emergency medical care provided in case of injuries or illnesses caused by terrorist acts and natural disasters, including posthumous repatriation1,2.
12. compensation for the cost of transportation of the Insured (the Insured person) immediately after completion of inpatient treatment, in economy class to the place of permanent (predominant) residence (place of registration) in Ukraine after expiry of the insurance contract, if the Insured missed his/her flight due to inpatient treatment. In this case, medical evacuation is not covered.
13. indemnification of expenses for accommodation of the Insured (the Insured person) abroad after expiry of the contract if his/her return to the country of permanent (predominant) residence or the country of registration is impossible immediately after discharge from the hospital.
14. indemnification for expenses for accommodation in a hotel of one companion of the Insured (the Insured person) abroad for a period not exceeding 5 days if the Insured (the Insured person) is in hospital after the expiry of the insurance contract
15. reimbursement of round-trip economy class travel costs and hotel accommodation costs for up to 5 days for one of the Insured's (the Insured's) adult close relatives if the duration of the Insured's (the Insured's) inpatient treatment in the country of temporary stay exceeds 5 days.
16. reimbursement of expenses for early return by economy class to the country of permanent (predominant) residence (place of registration), if necessary, accompaniment of the Insured's (the Insured person's) children under 16 years of age in case of hospitalisation or death of the Insured (the Insured person) at the place of temporary stay.
17. payment of expenses for search and rescue of the Insured (the Insured person) as a result of an accident in the mountains, at sea, in the forest or other remote areas, including transportation expenses, including by helicopter (if possible and available), from the place of accident to a medical institution, provided that civil services and organisations are allowed to such places
18. indemnification of the Insured's (the Insured person's) expenses for purchase of essentials (e.g. underwear, personal hygiene products (except for decorative cosmetics), glasses, panama hat, etc.), which cannot be dispensed with, due to delay of luggage for more than 6 hours from the moment of arrival of the Insured (the Insured person) to the country of travel.
19. indemnification of expenses of the Insured (the Insured person) for issuance of lost personal documents (passports) required for returning to the country of permanent residence
20. compensation for expenses for judicial or out-of-court settlement of a dispute and/or other services (assistance) as a result of damage to life and health of third parties caused by unintentional and negligent actions of the Insured (the Insured person). The existence of intent (fault) shall be established in accordance with the laws of the country of travel and confirmed by relevant decisions of law enforcement and/or judicial authorities.
21. compensation of expenses for judicial or out-of-court settlement of a dispute and/or other services (assistance) due to damage to property of third parties caused as a result of unintentional and negligent actions of the Insured (the Insured person). The existence of intent (fault) shall be established in accordance with the legislation of the country of travel and confirmed by relevant decisions of law enforcement and/or judicial authorities.
22. compensation of expenses for judicial or out-of-court settlement of a dispute and/or obtaining other services (assistance) as a result of losses incurred to the rental service provider due to unintentional damage of sports equipment rented by the Insured (the Insured person). The existence of intent (fault) shall be established in accordance with the legislation of the country of travel and confirmed by relevant decisions of law enforcement and/or judicial authorities.
23. indemnification for expenses for judicial or out-of-court settlement of a dispute and/or other services (assistance) due to engagement of a lawyer and interpreter to protect the rights of the Insured (the Insured person) during administrative proceedings in connection with occurrence of risks provided for in p.p. 20-22.
24. compensation of expenses for transportation of the Insured's (the Insured person's) car, which was used for travelling and became unfit for further use as a result of sudden technical breakdown or road traffic accident (RTA), to the nearest service station. Insurance terms and conditions under this clause shall apply only to the Insured (the Insured person) travelling by their own technically sound car with a service life of not more than 5 years (determined from the date of issue).
25. indemnification of travel costs for the driver and passengers who are the Insured and/or the Insured persons under the terms and conditions of the insurance contract concluded under this Offer to the country of permanent residence, if the car they are travelling in is stolen or damaged as a result of an accident and its further operation is impossible. The cost of economy class travel by regular public transport, except for air and taxi, shall be indemnified. Insurance terms and conditions under this clause shall apply only to the Insured (the Insured person) travelling by their own technically sound car, the service life of which is not more than 5 years (determined from the date of issue);
26. indemnification of expenses for elimination of sudden technical breakdown or damage as a result of an accident of the Insured's (the Insured person's) car used for the trip, or the cost of temporary storage in a guarded parking lot if it cannot be repaired. Insurance terms and conditions under this clause shall apply only to the Insured (the Insured person) travelling by their own technically sound car with the service life of not more than 5 years (determined from the date of issue).
27. THE PROGRAMME COVERS RISKS RELATED TO ACTIVE TOURISM
Insurance against an accident while travelling abroad in Ukraine includes:
- permanent loss of general working capacity by the insured (the insured person) (establishment of primary disability of group I, II or III) as a result of an accident or
death of the insured (the insured person) as a result of an accident.
Baggage insurance shall include the fact that the Insured (the Insured person) has incurred losses caused by damage, destruction or loss of baggage.
Financial risks insurance shall include the fact of losses incurred by the Insured (the Insured person) due to impossibility of travelling as a result of sudden, unforeseen and unintentional event that occurred after the conclusion of the insurance contract and before the date of commencement of the trip, and as a result of which the Insured (the Insured person) was forced to cancel (refuse, cancel) the trip, namely
1. death of the Insured (the Insured person), his/her family member or travelling companion, including as a result of military operations;
2. injury, including as a result of hostilities, or sudden illness, including COVID-19, requiring outpatient treatment of the Insured (the Insured person), or his/her family member or travelling companion;
3. destruction of the Insured's (the Insured person's) real estate as a result of fire, natural disasters, unlawful acts of third parties or as a result of military actions by the aggressor, provided that the property is located no closer than 50 km to the line of combat contact (settlements of the line of combat contact include settlements located in the territories of active hostilities adjacent to the occupied territory and included in the relevant list, which is periodically updated by the Ministry of Reintegration);
4. failure to obtain (refusal to issue) an entry visa by the Insured (the Insured person) or any of his/her family members or a companion travelling together with the Insured (the Insured person);
5. delay in issuance of visa to the Insured (the Insured person) or any of his/her family members or travelling companion travelling together with the Insured (the Insured person);
6. issuance of a visa to the Insured (the Insured person) or his/her family member or travelling companion for a period other than the one requested, which makes the previously booked trip impossible;
7. failures, malfunction of machinery and other unforeseen technical malfunctions with the means of water transport (liner, motor ship), the trip (cruise) on which was booked and paid for, which resulted in cancellation (reversal) of the trip;
Insurance of expenses related to provision of assistance (assistance) to persons who are in a difficult situation while travelling abroad of Ukraine shall include
1. payment (indemnity) for ambulance (emergency) care at the place of call, primary diagnostic measures, provision of medical care with the use of medicines to the extent necessary for the condition of the Insured (the Insured person).
2. payment (compensation) for the cost of medical care and treatment services in outpatient settings; examination to the extent necessary to establish the diagnosis; consultations with doctors.1,2
3. payment of the cost of services related to inpatient treatment, i.e.: medical consultations, diagnostics, treatment, emergency surgery, medication, stay in standard wards, meals according to the standards adopted by the medical institution. The Insurer shall pay the cost of treatment abroad within the limits of its liability (sum insured) established by these insurance terms and conditions only until the Insured's (the Insured person's) health condition, according to the doctor's decision, allows evacuation to the country of permanent residence1,2.
4. payment (reimbursement) of the cost of medicines prescribed by a doctor for emergency treatment according to a prescription, or reimbursement of expenses in case of self-purchase of medicines prescribed by a doctor according to a prescription in a pharmacy.
5. payment (compensation) for the cost of emergency dental care, namely: dental examination; X-ray examination; removal or filling of teeth with temporary fillings, which together or separately are caused by acute inflammation of the soft tissues of the tooth and/or adjacent tissues, or jaw injury caused by an accident, except for caries treatment.
6. payment (compensation) for the cost of transportation of the Insured (the Insured person) by land transport to a medical institution if the Insured's (the Insured person's) health condition does not allow him/her to move independently, in particular, but not exclusively in case of injuries, high temperature.
7. payment (compensation) of expenses for continuation of treatment of the Insured (the Insured person) in a hospital for up to 15 days after expiry of the insurance contract, if it is necessary for medical reasons. In this case, the costs of medical evacuation shall not be covered1,2.
8. organisation (if possible) and payment (compensation) of the cost of a range of services related to transportation and medical support of the Insured (the Insured person) undergoing inpatient treatment from abroad to a medical institution closest to the place of permanent residence, provided that there are medical indications for the need for further inpatient treatment. The Insurer shall not indemnify for the costs of continuing treatment and rehabilitation of the Insured (the Insured person) after his/her return to the country of permanent residence. If a doctor authorised by the Insurer considers that evacuation of the Insured (the Insured person) is possible and the Insured (the Insured person) refuses to do so, the Insurer shall immediately stop paying for the cost of treatment of the Insured (the Insured person).
9. arranging (if possible) and paying the cost of a set of services for transporting the body (repatriation) of the Insured (the Insured person) to the customs border of the country of his/her previous permanent residence, except for transporting the urn with the ashes of the deceased Insured (the Insured person) after cremation. If local regulations require that the body is transported in a coffin, the Insurer shall arrange and pay for the purchase of such a coffin. A prerequisite for organising repatriation is that the relatives of the deceased Insured (the Insured person) provide a written statement confirming their readiness to pick up the body after crossing the state border.
10. compensation for the cost of telephone communication between the Insured (the Insured person) or a person representing his/her interests and the Insurer regarding notification of an insured event.
11. payment (compensation) for the cost of emergency medical care provided in case of injuries or illnesses caused by terrorist acts and natural disasters, including posthumous repatriation1,2.
12. compensation for the cost of transportation of the Insured (the Insured person) immediately after completion of inpatient treatment, in economy class to the place of permanent (predominant) residence (place of registration) in Ukraine after expiry of the insurance contract, if the Insured missed his/her flight due to inpatient treatment. In this case, medical evacuation is not covered.
13. indemnification of expenses for accommodation of the Insured (the Insured person) abroad after expiry of the contract if his/her return to the country of permanent (predominant) residence or the country of registration is impossible immediately after discharge from the hospital.
14. indemnification for expenses for accommodation in a hotel of one companion of the Insured (the Insured person) abroad for a period not exceeding 5 days if the Insured (the Insured person) is in hospital after the expiry of the insurance contract
15. reimbursement of round-trip economy class travel costs and hotel accommodation costs for up to 5 days for one of the Insured's (the Insured's) adult close relatives if the duration of the Insured's (the Insured's) inpatient treatment in the country of temporary stay exceeds 5 days.
16. reimbursement of expenses for early return by economy class to the country of permanent (predominant) residence (place of registration), if necessary, accompaniment of the Insured's (the Insured person's) children under 16 years of age in case of hospitalisation or death of the Insured (the Insured person) at the place of temporary stay.
17. payment of expenses for search and rescue of the Insured (the Insured person) as a result of an accident in the mountains, at sea, in the forest or other remote areas, including transportation expenses, including by helicopter (if possible and available), from the place of accident to a medical institution, provided that civil services and organisations are allowed to such places
18. indemnification of the Insured's (the Insured person's) expenses for purchase of essentials (e.g. underwear, personal hygiene products (except for decorative cosmetics), glasses, panama hat, etc.), which cannot be dispensed with, due to delay of luggage for more than 6 hours from the moment of arrival of the Insured (the Insured person) to the country of travel.
19. indemnification of expenses of the Insured (the Insured person) for issuance of lost personal documents (passports) required for returning to the country of permanent residence
20. compensation for expenses for judicial or out-of-court settlement of a dispute and/or other services (assistance) as a result of damage to life and health of third parties caused by unintentional and negligent actions of the Insured (the Insured person). The existence of intent (fault) shall be established in accordance with the laws of the country of travel and confirmed by relevant decisions of law enforcement and/or judicial authorities.
21. compensation of expenses for judicial or out-of-court settlement of a dispute and/or other services (assistance) due to damage to property of third parties caused as a result of unintentional and negligent actions of the Insured (the Insured person). The existence of intent (fault) shall be established in accordance with the legislation of the country of travel and confirmed by relevant decisions of law enforcement and/or judicial authorities.
22. compensation of expenses for judicial or out-of-court settlement of a dispute and/or obtaining other services (assistance) as a result of losses incurred to the rental service provider due to unintentional damage of sports equipment rented by the Insured (the Insured person). The existence of intent (fault) shall be established in accordance with the legislation of the country of travel and confirmed by relevant decisions of law enforcement and/or judicial authorities.
23. indemnification for expenses for judicial or out-of-court settlement of a dispute and/or other services (assistance) due to engagement of a lawyer and interpreter to protect the rights of the Insured (the Insured person) during administrative proceedings in connection with occurrence of risks provided for in p.p. 20-22.
24. compensation of expenses for transportation of the Insured's (the Insured person's) car, which was used for travelling and became unfit for further use as a result of sudden technical breakdown or road traffic accident (RTA), to the nearest service station. Insurance terms and conditions under this clause shall apply only to the Insured (the Insured person) travelling by their own technically sound car with a service life of not more than 5 years (determined from the date of issue).
25. indemnification of travel costs for the driver and passengers who are the Insured and/or the Insured persons under the terms and conditions of the insurance contract concluded under this Offer to the country of permanent residence, if the car they are travelling in is stolen or damaged as a result of an accident and its further operation is impossible. The cost of economy class travel by regular public transport, except for air and taxi, shall be indemnified. Insurance terms and conditions under this clause shall apply only to the Insured (the Insured person) travelling by their own technically sound car, the service life of which is not more than 5 years (determined from the date of issue);
26. indemnification of expenses for elimination of sudden technical breakdown or damage as a result of an accident of the Insured's (the Insured person's) car used for the trip, or the cost of temporary storage in a guarded parking lot if it cannot be repaired. Insurance terms and conditions under this clause shall apply only to the Insured (the Insured person) travelling by their own technically sound car with the service life of not more than 5 years (determined from the date of issue).
Accident insurance while travelling abroad in Ukraine includes
- temporary disability or
- permanent loss of general working capacity by the insured (the insured person) (establishment of primary disability of group I, II or III) as a result of an accident or
- death of the policyholder (insured person) as a result of an accident.
Baggage insurance shall include the fact that the Insured (the Insured person) has incurred losses caused by damage, destruction or loss of baggage.
Financial risks insurance shall include the fact of losses incurred by the Insured (the Insured person) due to impossibility of travelling as a result of sudden, unforeseen and unintentional event that occurred after the conclusion of the insurance contract and before the date of commencement of the trip, and as a result of which the Insured (the Insured person) was forced to cancel (refuse, cancel) the trip, namely
1. death of the Insured (the Insured person), his/her family member or travelling companion, including as a result of military operations;
2. injury, including as a result of hostilities, or sudden illness, including COVID-19, requiring outpatient treatment of the Insured (the Insured person), or his/her family member or travelling companion;
3. destruction of the Insured's (the Insured person's) real estate as a result of fire, natural disasters, unlawful acts of third parties or as a result of military actions by the aggressor, provided that the property is located no closer than 50 km to the line of combat contact (settlements of the line of combat contact include settlements located in the territories of active hostilities adjacent to the occupied territory and included in the relevant list, which is periodically updated by the Ministry of Reintegration);
4. failure to obtain (refusal to issue) an entry visa by the Insured (the Insured person) or any of his/her family members or a companion travelling together with the Insured (the Insured person);
5. delay in issuance of visa to the Insured (the Insured person) or any of his/her family members or travelling companion travelling together with the Insured (the Insured person);
6. issuance of a visa to the Insured (the Insured person) or his/her family member or travelling companion for a period other than the one requested, which makes the previously booked trip impossible;
7. failures, malfunction of machinery and other unforeseen technical malfunctions with the means of water transport (liner, motor ship), the trip (cruise) on which was booked and paid for, which resulted in cancellation (reversal) of the trip;
Insurance of expenses related to provision of assistance (assistance) to persons who are in a difficult situation while travelling abroad of Ukraine shall include
1. payment (indemnity) for ambulance (emergency) care at the place of call, primary diagnostic measures, provision of medical care with the use of medicines to the extent necessary for the condition of the Insured (the Insured person).
2. payment (compensation) for the cost of medical care and treatment services in outpatient settings; examination to the extent necessary to establish the diagnosis; consultations with doctors.1,2
3. payment of the cost of services related to inpatient treatment, i.e.: medical consultations, diagnostics, treatment, emergency surgery, medication, stay in standard wards, meals according to the standards adopted by the medical institution. The Insurer shall pay the cost of treatment abroad within the limits of its liability (sum insured) established by these insurance terms and conditions only until the Insured's (the Insured person's) health condition, according to the doctor's decision, allows evacuation to the country of permanent residence1,2.
4. payment (reimbursement) of the cost of medicines prescribed by a doctor for emergency treatment according to a prescription, or reimbursement of expenses in case of self-purchase of medicines prescribed by a doctor according to a prescription in a pharmacy.
5. payment (compensation) for the cost of emergency dental care, namely: dental examination; X-ray examination; removal or filling of teeth with temporary fillings, which together or separately are caused by acute inflammation of the soft tissues of the tooth and/or adjacent tissues, or jaw injury caused by an accident, except for caries treatment.
6. payment (compensation) for the cost of transportation of the Insured (the Insured person) by land transport to a medical institution if the Insured's (the Insured person's) health condition does not allow him/her to move independently, in particular, but not exclusively in case of injuries, high temperature.
7. payment (compensation) of expenses for continuation of treatment of the Insured (the Insured person) in a hospital for up to 15 days after expiry of the insurance contract, if it is necessary for medical reasons. In this case, the costs of medical evacuation shall not be covered1,2.
8. organisation (if possible) and payment (compensation) of the cost of a range of services related to transportation and medical support of the Insured (the Insured person) undergoing inpatient treatment from abroad to a medical institution closest to the place of permanent residence, provided that there are medical indications for the need for further inpatient treatment. The Insurer shall not indemnify for the costs of continuing treatment and rehabilitation of the Insured (the Insured person) after his/her return to the country of permanent residence. If a doctor authorised by the Insurer considers that evacuation of the Insured (the Insured person) is possible and the Insured (the Insured person) refuses to do so, the Insurer shall immediately stop paying for the cost of treatment of the Insured (the Insured person).
9. arranging (if possible) and paying the cost of a set of services for transporting the body (repatriation) of the Insured (the Insured person) to the customs border of the country of his/her previous permanent residence, except for transporting the urn with the ashes of the deceased Insured (the Insured person) after cremation. If local regulations require that the body is transported in a coffin, the Insurer shall arrange and pay for the purchase of such a coffin. A prerequisite for organising repatriation is that the relatives of the deceased Insured (the Insured person) provide a written statement confirming their readiness to pick up the body after crossing the state border.
10. compensation for the cost of telephone communication between the Insured (the Insured person) or a person representing his/her interests and the Insurer regarding notification of an insured event.
11. payment (compensation) for the cost of emergency medical care provided in case of injuries or illnesses caused by terrorist acts and natural disasters, including posthumous repatriation1,2.
12. compensation for the cost of transportation of the Insured (the Insured person) immediately after completion of inpatient treatment, in economy class to the place of permanent (predominant) residence (place of registration) in Ukraine after expiry of the insurance contract, if the Insured missed his/her flight due to inpatient treatment. In this case, medical evacuation is not covered.
13. indemnification of expenses for accommodation of the Insured (the Insured person) abroad after expiry of the contract if his/her return to the country of permanent (predominant) residence or the country of registration is impossible immediately after discharge from the hospital.
14. indemnification for expenses for accommodation in a hotel of one companion of the Insured (the Insured person) abroad for a period not exceeding 5 days if the Insured (the Insured person) is in hospital after the expiry of the insurance contract
15. reimbursement of round-trip economy class travel costs and hotel accommodation costs for up to 5 days for one of the Insured's (the Insured's) adult close relatives if the duration of the Insured's (the Insured's) inpatient treatment in the country of temporary stay exceeds 5 days.
16. reimbursement of expenses for early return by economy class to the country of permanent (predominant) residence (place of registration), if necessary, accompaniment of the Insured's (the Insured person's) children under 16 years of age in case of hospitalisation or death of the Insured (the Insured person) at the place of temporary stay.
17. payment of expenses for search and rescue of the Insured (the Insured person) as a result of an accident in the mountains, at sea, in the forest or other remote areas, including transportation expenses, including by helicopter (if possible and available), from the place of accident to a medical institution, provided that civil services and organisations are allowed to such places
18. indemnification of the Insured's (the Insured person's) expenses for purchase of essentials (e.g. underwear, personal hygiene products (except for decorative cosmetics), glasses, panama hat, etc.), which cannot be dispensed with, due to delay of luggage for more than 6 hours from the moment of arrival of the Insured (the Insured person) to the country of travel.
19. indemnification of expenses of the Insured (the Insured person) for issuance of lost personal documents (passports) required for returning to the country of permanent residence
20. compensation for expenses for judicial or out-of-court settlement of a dispute and/or other services (assistance) as a result of damage to life and health of third parties caused by unintentional and negligent actions of the Insured (the Insured person). The existence of intent (fault) shall be established in accordance with the laws of the country of travel and confirmed by relevant decisions of law enforcement and/or judicial authorities.
21. compensation of expenses for judicial or out-of-court settlement of a dispute and/or other services (assistance) due to damage to property of third parties caused as a result of unintentional and negligent actions of the Insured (the Insured person). The existence of intent (fault) shall be established in accordance with the legislation of the country of travel and confirmed by relevant decisions of law enforcement and/or judicial authorities.
22. compensation of expenses for judicial or out-of-court settlement of a dispute and/or obtaining other services (assistance) as a result of losses incurred to the rental service provider due to unintentional damage of sports equipment rented by the Insured (the Insured person). The existence of intent (fault) shall be established in accordance with the legislation of the country of travel and confirmed by relevant decisions of law enforcement and/or judicial authorities.
23. indemnification for expenses for judicial or out-of-court settlement of a dispute and/or other services (assistance) due to engagement of a lawyer and interpreter to protect the rights of the Insured (the Insured person) during administrative proceedings in connection with occurrence of risks provided for in p.p. 20-22.
24. compensation of expenses for transportation of the Insured's (the Insured person's) car, which was used for travelling and became unfit for further use as a result of sudden technical breakdown or road traffic accident (RTA), to the nearest service station. Insurance terms and conditions under this clause shall apply only to the Insured (the Insured person) travelling by their own technically sound car with a service life of not more than 5 years (determined from the date of issue).
25. indemnification of travel costs for the driver and passengers who are the Insured and/or the Insured persons under the terms and conditions of the insurance contract concluded under this Offer to the country of permanent residence, if the car they are travelling in is stolen or damaged as a result of an accident and its further operation is impossible. The cost of economy class travel by regular public transport, except for air and taxi, shall be indemnified. Insurance terms and conditions under this clause shall apply only to the Insured (the Insured person) travelling by their own technically sound car, the service life of which is not more than 5 years (determined from the date of issue);
26. indemnification of expenses for elimination of sudden technical breakdown or damage as a result of an accident of the Insured's (the Insured person's) car used for the trip, or the cost of temporary storage in a guarded parking lot if it cannot be repaired. Insurance terms and conditions under this clause shall apply only to the Insured (the Insured person) travelling by their own technically sound car with the service life of not more than 5 years (determined from the date of issue).
27. THE PROGRAMME COVERS RISKS RELATED TO ACTIVE TOURISM
Accident insurance while travelling abroad in Ukraine includes
- temporary disability or
- permanent loss of general working capacity by the insured (the insured person) (establishment of primary disability of group I, II or III) as a result of an accident or
- death of the policyholder (insured person) as a result of an accident.
Baggage insurance shall include the fact that the Insured (the Insured person) has incurred losses caused by damage, destruction or loss of baggage.
Financial risks insurance shall include the fact of losses incurred by the Insured (the Insured person) due to impossibility of travelling as a result of sudden, unforeseen and unintentional event that occurred after the conclusion of the insurance contract and before the date of commencement of the trip, and as a result of which the Insured (the Insured person) was forced to cancel (refuse, cancel) the trip, namely
1. death of the Insured (the Insured person), his/her family member or travelling companion, including as a result of military operations;
2. injury, including as a result of hostilities, or sudden illness, including COVID-19, requiring outpatient treatment of the Insured (the Insured person), or his/her family member or travelling companion;
3. destruction of the Insured's (the Insured person's) real estate as a result of fire, natural disasters, unlawful acts of third parties or as a result of military actions by the aggressor, provided that the property is located no closer than 50 km to the line of combat contact (settlements of the line of combat contact include settlements located in the territories of active hostilities adjacent to the occupied territory and included in the relevant list, which is periodically updated by the Ministry of Reintegration);
4. failure to obtain (refusal to issue) an entry visa by the Insured (the Insured person) or any of his/her family members or a companion travelling together with the Insured (the Insured person);
5. delay in issuance of visa to the Insured (the Insured person) or any of his/her family members or travelling companion travelling together with the Insured (the Insured person);
6. issuance of a visa to the Insured (the Insured person) or his/her family member or travelling companion for a period other than the one requested, which makes the previously booked trip impossible;
7. failures, malfunction of machinery and other unforeseen technical malfunctions with the means of water transport (liner, motor ship), the trip (cruise) on which was booked and paid for, which resulted in cancellation (reversal) of the trip;
The insurance agreement shall be concluded with persons under the age of 90, unless otherwise specified in the insurance agreement, whose trip starts from the territory of Ukraine or the country of the Insured's (the Insured person's) location and from which the trip starts
When insuring persons aged 65 to 90 years, extra charges shall be applied.
The insurance contract for risks under class 18 related to travelling by private car shall be valid only in respect of the Insured (the Insured person) travelling by their own technically sound passenger car, the service life of which is not more than 5 years (determined from the date of issue).
Insurance cover in respect of risks related to obtaining a visa shall apply only to residents of Ukraine and provided that the full package of required documents is submitted to the consular office for visa issuance in a timely manner, and provided that the Insured persons have not been previously refused visas.
Insurance contracts shall not be concluded in respect of the following persons:
● individuals aged over 90 years
● Citizens of the Russian Federation, Belarus, Syria, Iran, North Korea and Myanmar, except for those who have a permanent residence permit in Ukraine
● who have been recognised as legally incapacitated;
● insurance coverage is not valid in the territory of the Insured's (the Insured person's) permanent place of residence;
● Russian Federation; Belarus; Syria; Iran; North Korea and Myanmar.
The Contract in terms of insurance of risks under class 7 (baggage) shall not apply to
- fur products, jewellery, printing devices, film, photo, video equipment, laptops, mobile phones, etc. and any accessories thereto
- jewellery, securities, cash, bank payment cards and funds on accounts;
- precious metals, precious and semi-precious stones;
- antique and unique items, works of art and collectibles;
- travel documents, any types of documents, slides, photographs, film copies;
- manuscripts, plans, diagrams, drawings, models, business papers;
- any types of prostheses, contact lenses;
- wrist and pocket watches;
- Animals, plants and seeds, food;
- vehicles, motorcycles, bicycles, air and water transport, as well as spare parts for them;
- items of religious worship;
- personal care products, decorative cosmetics
The following are recognised:
- collections - a set of any homogeneous items (stamps, calendars, badges, plants, etc.) of scientific, historical, artistic interest or collected for amateur purposes;
- unique - one-of-a-kind, exceptional in its qualities or of great rarity products, works of art;
- antique - ancient items of great artistic or other value;
spare parts - any units, parts, components and accessories for vehicles, mechanisms, electronic equipment, etc.
The minimum and maximum sum insured for this insurance product, depending on the insurance programmes, may be as follows:
For class 18: EUR 30,000 and EUR 75,000 respectively
For class 1: EUR 3,000 and EUR 7,500, respectively
For class 7: EUR 500 and EUR 1,000, respectively
For class 16: from EUR 100 to EUR 300, respectively
The amount and currency of the sum insured is specified in the individual part of the insurance contract.
The sum insured shall be converted into the hryvnia equivalent at the NBU exchange rate as of the date of the insurance agreement.
In case of insurance of several persons, the sum insured for each class of insurance shall be the sum insured separately for each of the Insured persons for the entire period of validity of the contract.
Upon occurrence of insured events, the sum insured for a particular class of insurance (depending on which risk has occurred) shall be reduced each time by the amount of insurance payments paid by the Insurer. If the amount of money paid or claimed for payment reaches the level of the sum insured specified in the individual part of the insurance contract for a particular class of insurance (depending on the risk that has occurred), the insurance contract shall terminate in full or for a particular class of insurance for which the sum insured has reached the level of the sum insured specified in the individual part of the insurance contract
Limits of liability are defined in section 5 of the information document.
When choosing the ‘Classic’ package:
The minimum and maximum insurance tariff is 0.12% and 2.85% respectively.
The minimum and maximum amount of insurance premium per person is EUR 35 and EUR 855.00, respectively, which is converted into UAH at the NBU exchange rate on the date of conclusion of the insurance contract.
When choosing the package ‘Classic+Sport’:
The minimum and maximum insurance rate is 0.37% per day and 5.7%, respectively.
The minimum and maximum amount of insurance premium per person is EUR 110 and EUR 1,710.00, respectively, which is converted into UAH at the NBU exchange rate on the date of the insurance agreement.
When choosing the ‘Gold’ package:
The minimum and maximum insurance rates are 0.12% and 0.83%, respectively.
The minimum and maximum insurance premium per person is EUR 60 and EUR 415, respectively, which is converted into UAH at the NBU exchange rate on the date of the insurance contract conclusion
When choosing the ‘Gold+ Sport’ package:
The minimum and maximum insurance rates are 0.3% and 1.8% respectively.
The minimum and maximum amount of insurance premium per person is EUR 150 and EUR 900 respectively, which is converted into UAH at the NBU exchange rate on the date of the insurance contract conclusion
When choosing the ‘Platinum’ package:
The minimum and maximum insurance rates are 0.11% and 0.47%, respectively.
The minimum and maximum insurance premium per person is EUR 80 and EUR 350, respectively, which is converted into UAH at the NBU exchange rate on the date of the insurance contract conclusion
When choosing the ‘Platinum + Sport’ package:
The minimum and maximum insurance rates are 0.33% and 1.07%, respectively.
The minimum and maximum insurance premium per person is EUR 245 and EUR 800, respectively, which is converted into UAH at the NBU exchange rate on the date of the insurance contract conclusion
Unconditional deductible:
The amount of the unconditional deductible is determined in the individual part of the insurance contract for a particular class of insurance and/or individual insurance risks within a particular class of insurance of the insurance programme in the general terms and conditions of the insurance product.
If the amount of the unconditional deductible is not specified, it shall be deemed to be zero.
Time deductible:
In case of concluding an insurance contract during a stay abroad less than 48 hours before the start of the insurance period, a time deductible of 48 hours will be applied to class 18, which starts from the next day specified as the start of the insurance period. At the same time, the costs of medical services provided in connection with the accident will be covered subject to the following
- the insurance premium has been paid in full;
- the accident occurred no earlier than the date and time of the insurance contract and the day specified as the beginning of the insurance period;
- medical services are provided starting from the next day of the date specified as the beginning of the insurance period.
The period of time deductible shall be counted in the total number of insured days of continuous stay of the Insured (the Insured person) abroad during which the contract was concluded. All events and services occurred or provided during the time deductible period, except for the provision of services described in this clause in connection with an accident, shall not be considered insured and shall not be covered
The territory of validity is specified in the individual part of the insurance contract and is chosen by the policyholder when entering into the insurance contract.
The geographical area ‘Europe’ or the geographical area ‘The whole world’ may be chosen as the territory of validity.
The geographical area ‘Europe’ includes all countries of geographical Europe, as well as Algeria, Egypt, Israel, Morocco, Tunisia, Turkey
The geographical area ‘Europe’ is displayed in the individual part of the insurance contract as a mark ‘EU’ or as the word ‘Europe’ by adding this mark or word to the programme name, namely
Classic ЕU (or Classic Europe); Gold ЕU (or Gold Europe); Platinum ЕU (or Platinum Europe), or Classic ЕU +S (or Classic Europe + Sport), or Gold ЕU +S (or Gold Europe + Sport), or Platinum ЕU +S (or Platinum Europe + Sport)
The geographical area ‘Worldwide’ includes all countries of the world.
The geographical area ‘All over the world’ is indicated in the individual part of the insurance contract as a mark ‘W’ or as the word ‘World’ by adding this mark or word to the programme name, namely
Classic W (or Classic World); Gold W (or Gold World); Platinum W (or Platinum World), or Classic W+S (or Classic World + Sport), or Gold W+S (or Gold World + Sport), or Platinum W+S (or Platinum World + Sport).
In this case, the insurance contract is not valid on the territory of:
● Ukraine (except for risks under classes 1, 7, 16), including the temporarily occupied territories of Ukraine;
● country of permanent residence (for risks under classes 18, 16)
● countries and areas where military operations are conducted;
● areas where a state of emergency or a threat of natural disaster has been officially declared;
● countries under UN supervision or sanctions;
● countries that are carrying out armed aggression against Ukraine (including the Russian Federation, the Republic of Belarus, etc.);
● in the territory of Iran, North Korea, Myanmar, Syria.
The term of the insurance contract (insurance coverage) is determined in the individual part of the contract within the number of insured days for each individual trip during the insurance term (or period) specified in the contract
Start and end of the contract term
For risks of class 18:
1. Beginning and end of the contract (insurance coverage) for persons who are on the territory of Ukraine as of the date of execution of the insurance contract:
1.1. the insurance contract must be concluded before the start of the trip (i.e. before crossing the border of Ukraine)
1.2. the term (or period) of insurance and the number of days of continuous stay of the Insured (the Insured person) abroad for each individual trip within the selected term (period) of insurance shall be chosen by the Insured independently.
1.3. the earliest date of commencement of the insurance term may be 00 hours 00 minutes of the day following the date of conclusion of the insurance contract and payment of the insurance premium or be a later date;
1.4. insurance coverage (insurance cover) shall be valid within the number of insured days of continuous stay of the Insured (the Insured person) abroad specified in the individual part of the insurance contract for each individual trip and insurance term (period). The beginning of the Insured's (the Insured person's) stay abroad for each individual trip shall be determined in accordance with the marks of the border service in the person's passport for foreign travel, or in accordance with the information (letter) of the border service of the country to which the trip was made or other similar document.
1.5. insurance coverage (insurance cover) shall be automatically terminated at the moment of passing the border control of Ukraine by the Insured (the Insured person) upon returning from abroad or during stay abroad beyond the number of insured days of continuous stay specified in the individual part of the contract
1.6. the insurance contract shall automatically terminate upon expiry of the term (insurance period) or upon reaching the insurance payments equal to the sum insured.
2. Beginning and end of the term of the contract (insurance coverage) for persons who are outside Ukraine as of the date of execution of the insurance contract:
2.1. the term (or period) of insurance and the number of insured days of continuous travel shall be chosen by the Insured independently, and the Insured shall take into account that the beginning of the term (period) of insurance may not be earlier than 48 hours from the date of conclusion of the insurance contract and payment of the insurance premium.
2.2. in case of compliance with the requirements for entering into the contract and determining the beginning of the insurance term (period) set out in the previous paragraph 1, the insurance cover for the first trip (during which the insurance contract is concluded) shall be valid within the number of insured days of continuous stay of the Insured (the Insured person) abroad specified in the individual part of the insurance contract, which shall start from the date specified as the beginning of the insurance term (period).
2.3. if the start of the insurance period chosen by the Insured is earlier than specified in the previous paragraph 1, in order to avoid fraudulent actions, a time deductible shall be applied. In this case, the insurance cover for the trip during which the contract is concluded will take effect 48 hours after the date specified as the beginning of the insurance period, starting from the next day specified as the beginning of the insurance period. At the same time, the costs of medical services provided in connection with the accident will be covered subject to the following
- the insurance premium has been paid in full;
- the accident occurred no earlier than the date and time of the insurance contract and the day specified as the beginning of the insurance period;
- medical services are provided starting from the next day of the date indicated as the beginning of the insurance period.
Insurance cover for the first trip during which the insurance contract is concluded shall be valid within the number of insured days of continuous stay of the Insured (the Insured person) abroad specified in the individual part of the insurance contract, and the period of time deductible shall be counted as the total number of insured days of continuous stay of the Insured (the Insured person) abroad during which the contract was concluded. All events and services occurring or provided during the time deductible, except for the provision of services described in this clause in connection with an accident, shall not be considered insured and shall not be covered.
2.4. for subsequent trips - insurance cover shall be valid within the number of insured days of continuous stay of the Insured (the Insured person) abroad specified in the individual part of the insurance contract for each separate trip and insurance period. The beginning of the Insured's (the Insured person's) stay abroad for each individual trip shall be determined in accordance with the border service marks in the person's passport for foreign travel, or in accordance with the information (letter) of the border service of the country to which the trip was made or other similar document;
2.5. insurance coverage (insurance cover) shall automatically terminate upon passing the border control of Ukraine by the Insured (the Insured person) upon returning from abroad or staying abroad for more than the number of insured days of continuous stay specified in the individual part of the contract
the insurance contract shall automatically terminate upon expiry of the term (insurance period) or upon reaching the insurance payments in the amount of the sum insured
The minimum number of insured days can be 30
The maximum is 180 days.
For class 1 risks:
The insurance cover shall commence from the moment the Insured (the Insured person) boards the vehicle at the point of travel start indicated in the ticket, etc. but not earlier than the beginning of the insurance term (period) indicated in the individual part of the insurance contract and payment of the insurance premium (on the date that comes later), and shall end at the final point of travel indicated in the travel service contract or upon disembarkation from the vehicle in Ukraine or expiry of the insurance term (period) and/or while abroad
The insurance contract shall automatically terminate upon expiry of the term (insurance period) or upon reaching the insurance payments in the amount of the sum insured
The minimum number of insured days can be 30
The maximum is 180 days.
For class 7 risks:
The insurance coverage starts from the moment the baggage is transferred to the carrier's responsibility, but not earlier than the date specified in the individual part of the insurance contract as the beginning of the insurance term (period) and payment of the insurance premium (on the date that comes later). The contract shall expire upon receipt of the baggage from the carrier, but not later than the expiry of the insurance period and/or if the traveler stays abroad for more than the number of insured days of continuous stay specified in the individual part of the contract (the earlier date).
The insurance contract shall automatically terminate upon expiry of the term (insurance period) or upon reaching the insurance payments in the amount of the sum insured
The minimum number of insured days can be 3.
The maximum is 30 days.
For risks of class 16:
The insurance coverage is valid from the date of commencement of the insurance term (period) specified in the individual part of the insurance contract and payment of the insurance premium (on the date that came later) to the date of commencement of each subsequent trip made within the insurance term (period), taking into account the time of departure of the vehicle used to leave Ukraine
Insurance coverage (insurance cover) shall be automatically terminated at the moment of passing the border control of Ukraine by the Insured (the Insured person) when travelling abroad for each separate trip and/or at 23.59 hrs. 59 min. of the date specified in the individual part of the insurance contract as the end of the insurance term (period).
The insurance contract shall automatically terminate upon expiry of the term (insurance period) or upon reaching the insurance payments equal to the sum insured
The minimum number of insured days can be 1
The maximum number of insured days is 365 days.
Late notification of an insured event without valid reasons may be an independent ground for refusal of insurance indemnity.
Failure to coordinate expenses (regardless of the amount) with the Assistance Company related to medical transportation of the Insured (the Insured person), ritual rescue services shall be an independent ground for refusal of insurance payment.
If medical expenses exceeding EUR 1000 of the Sum Insured are not agreed with the Assistance Company, the Insurer shall pay out no more than EUR 1000 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 non-insurance goods, works or services.
Discounts for this product do not apply, there are no promotional offers
Prior to entering into the Insurance Policy, the Policyholder shall provide the Insurer with information on circumstances that are essential for risk assessment.
Such information shall include:
- territory of validity (country of travel);
- insurance period and the desired number of insured days;
- number of trips during the insurance period;
- number of Insured persons;
- place of stay of the Insured (the Insured persons) at the time of concluding the insurance contract;
- purpose of the trip;
- age of the Insured person;
- amount and currency of the sum insured;
- application/non-application of the deductible;
- name of the insurance programme of the insurance product and/or insurance package (insurance product);
The above information shall be provided by the Insured to the Insurer by filling in the relevant data in electronic forms on the Insurer's/insurance intermediary's website or via the Insurer's/insurance agent's IT system or orally to the representative of the Insurer/insurance agent with whose participation the Insurance contract is concluded
Please note that before entering into the insurance contract the Policyholder MUST familiarise himself/herself with the following information:
- on exclusions from insured events and grounds for refusal to make insurance payments;
- the insurer's liability limits for a particular insurance object;
- insurance risk and/or insured event;
- on the procedure for calculation and conditions of insurance payments
The specified information is contained in the Information document on the standard insurance product and the insurance product
‘Tourist insurance of travelling outside Ukraine for holders of bank cards of JSC CB ‘PRIVATBANK’: annual contracts
for multiple journeys, which can be concluded in the application ‘Privat24’ and in branches of JSC CB ‘PRIVATBANK’, which is current at the moment of conclusion of the Contract and is available at the following link
at the link https://eurotravelins.com.ua/upload/privat_korotkostrokove/1/IDSSP_Richni_SN.pdf , а саме:
as well as in ‘Travel insurance for travellers travelling outside Ukraine for holders of bank cards of JSC CB “PRIVATBANK”: annual contracts
for multiple journeys, which can be concluded in the application ‘Privat24’ and in branches of JSC CB ‘PRIVATBANK’, which is current at the moment of conclusion of the Contract
and is available at the link https://eurotravelins.com.ua/upload/privat_korotkostrokove/1/ZUSP_Richni_SN.pdf
