‘Travel insurance for Ukrainian citizens travelling within Ukraine who are holders of bank cards issued by JSC CB ‘PRIVATBANK’: short-term contracts for one-off trips, which can be concluded in the ‘Privat24’ app and at branches of JSC CB ‘PRIVATBANK’
life, health, unforeseen losses, expenses or property of the Policyholder (Insured Person) depending on the insurance risk.
Insurance of expenses related to rendering assistance (assistance) to persons who have found themselves in a difficult situation while travelling abroad in Ukraine includes:
1. payment (compensation) for emergency (urgent) care at the place of call, performance of primary diagnostic measures, provision of medical care with the use of medicines to the extent necessary for the condition of the Policyholder (Insured).
2. payment (compensation) of the cost of medical care and treatment services in outpatient and polyclinic conditions; examination to the extent necessary to establish the diagnosis; medical consultations. At the same time, if the cost of treatment exceeds UAH 5000, the Policyholder (Insured person) must agree (agree) the costs in writing with the Assisting company and/or the Insurer before the start of treatment 1. If the costs have not been agreed in writing with the Assisting company and/or the Insurer, the Insurer shall be liable only to the limit of UAH 5000.
3. payment of 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 the medical institution. The Insurer shall pay the cost of treatment within the limits of its liability (sum insured) established by these insurance terms and conditions only until the time when the health condition of the Policyholder (Insured person), according to the doctor's decision, allows evacuating him/her to his/her permanent or preferential (place of registration) place of residence. In this case, if the cost of treatment exceeds UAH 5000, the Policyholder (Insured person) must agree (agree) the costs in writing with the Assisting company and/or Insurer before the start of treatment 1. If the costs have not been agreed in writing with the Assisting company and/or Insurer, the Insurer shall be liable only to the limit of UAH 5000.
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 from a pharmacy.
5. payment (reimbursement) of 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 due to acute inflammation of the soft tissues of the tooth and/or adjacent to it
tissue, or jaw trauma resulting from an accident, other than 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. payment (compensation) of expenses for continuation of treatment of the Policyholder (Insured) in hospital for up to 15 days after the expiry of the insurance contract, if it is medically necessary, without covering the costs of medical evacuation. At the same time, if the cost of treatment exceeds UAH 5000, the Policyholder (Insured) must agree (agree) the costs in writing with the Assisting Company and/or the Insurer before the commencement of treatment 1. If the costs have not been agreed in writing with the Assisting Company and/or the Insurer, the Insurer shall be liable only to the limit of UAH 5000.
8. organisation (if possible) and payment (compensation) of the cost of the complex of services related to transportation and medical accompaniment of the Policyholder (Insured person), who is on in-patient treatment, to the medical institution nearest to the place of permanent or preferential residence in Ukraine or place of registration in Ukraine, 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 place of permanent or primary residence in Ukraine or place of registration in Ukraine. 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 to the Policyholder (Insured). Medical evacuation of the Policyholder (Insured) shall be performed only upon written agreement1with the Assisting Company and/ or the Insurer regardless of the amount of such expenses. If the expenses have not been agreed upon, the Insurer shall have the right to refuse to pay the insurance indemnity.
9. 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 place of his/her previous permanent or preferential residence in Ukraine or place of registration in Ukraine, except for transportation of the urn with 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 coffin. A prerequisite for organising repatriation is that the relatives of the deceased Policyholder (Insured) submit a written confirmation of readiness to take the body. Repatriation of the Policyholder's (Insured person's) body shall be carried out only upon written agreement1with the Insurer regardless of the amount of such expenses. If the expenses have not been agreed upon, the Insurer shall have the right to refuse to pay the insurance indemnity
10. payment (compensation) of the cost of burial services for the Policyholder's (Insured person's) body at the place of death. Burial of the Policyholder's (Insured person's) body shall be performed only upon written agreement with the Insurer regardless of the amount of such expenses 1. If the expenses have not been agreed upon, the Insurer shall have the right to refuse to pay the insurance indemnity
11. compensation for the cost of telephone communication services of the Policyholder (Insured person)
person) or a person representing his (her) interests with the Insurer regarding the notification of the Insurable Event.
Written consent (agreement) shall be understood to mean sending to the Assisting Company and/or the Insurer a notice of treatment and treatment estimate by means of internet, fax or other means of electronic transmission of information and receiving a written consent (guarantee) from the Assisting Company and/or the Insurer by the same means.
Accident insurance for travelling in Ukraine includes:
- permanent loss of the policyholder's (insured person's) general working capacity (establishment of primary disability group I, II or IIII) due to an accident or
- death of the policyholder (insured person) due to an accident.
Baggage insurance includes the fact that the Policyholder (Insured) has incurred losses caused by damage, destruction or loss of baggage
Insurance of expenses related to rendering assistance (assistance) to persons who have found themselves in a difficult situation while travelling abroad in Ukraine includes:
1. payment (compensation) for emergency (urgent) care at the place of call, performance of primary diagnostic measures, provision of medical care with the use of medicines to the extent necessary for the condition of the Policyholder (Insured).
2. payment (compensation) of the cost of medical care and treatment services in outpatient and polyclinic conditions; examination to the extent necessary to establish the diagnosis; medical consultations. At the same time, if the cost of treatment exceeds UAH 5000, the Policyholder (Insured person) must agree (agree) the costs in writing with the Assisting company and/or Insurer before the start of treatment 1. If the costs have not been agreed in writing with the Assisting company and/or Insurer, the Insurer shall be liable only to the limit of UAH 5000.
3. payment of the cost of services related to in-patient treatment, i.e.: medical consultations, diagnostics, treatment, emergency surgical intervention, medication, stay in standard-type wards, food according to the norms accepted in the given medical institution. The Insurer shall pay the cost of treatment within the limits of its liability (sum insured) established by these insurance terms and conditions only until the time when the health condition of the Policyholder (Insured person), according to the doctor's decision, allows evacuating him/her to his/her permanent or preferential (place of registration) place of residence. In this case, if the cost of treatment exceeds UAH 5000, the Policyholder (Insured person) must agree (agree) the costs in writing with the Assisting company and/or Insurer before the start of treatment 1. If the costs have not been agreed in writing with the Assisting company and/or Insurer, the Insurer shall be liable only to the limit of UAH 5000.
4. payment (reimbursement) of the cost of medicines, prescribed by 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 from 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 all together or separately are due to acute inflammation of the soft tissues of the tooth and/or adjacent tissues, or jaw trauma resulting from an accident, 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. payment (compensation) of expenses for continuation of treatment of the Policyholder (Insured) in hospital for up to 15 days after the expiry of the insurance contract, if it is medically necessary, without covering the costs of medical evacuation. At the same time, if the cost of treatment exceeds UAH 5000, the Policyholder (Insured) must agree (agree) the costs in writing with the Assisting Company and/or the Insurer before the commencement of treatment 1. If the costs have not been agreed in writing with the Assisting Company and/or the Insurer, the Insurer shall be liable only to the limit of UAH 5000.
8. organisation (if possible) and payment (compensation) of the cost of the complex of services related to transportation and medical accompaniment of the Policyholder (Insured person), who is on in-patient treatment, to the medical institution nearest to the place of permanent or preferential residence in Ukraine or place of registration in Ukraine, 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 place of permanent or primary residence in Ukraine or place of registration in Ukraine. 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 to the Policyholder (Insured). Medical evacuation of the Policyholder (Insured person) shall be carried out only upon written agreement1with the Assisting company and/ or the Insurer regardless of the amount of such expenses. If the expenses have not been agreed upon, the Insurer shall have the right to refuse to pay the insurance indemnity.
9. 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 place of his/her previous permanent or preferential residence in Ukraine or place of registration in Ukraine, except for transportation of the urn with 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 coffin. A prerequisite for organising repatriation is that the relatives of the deceased Policyholder (Insured person) submit a written application confirming their readiness to take the body. Repatriation of the Policyholder's (Insured person's) body shall be carried out only upon written agreement1with the Insurer regardless of the amount of such expenses. If the expenses have not been agreed upon, the Insurer shall have the right to refuse to
insurance indemnity
10. payment (compensation) of the cost of burial services for the Policyholder's (Insured person's) body at the place of death. Burial of the Policyholder's (Insured person's) body shall be performed only upon written agreement with the Insurer regardless of the amount of such expenses 1. If the expenses have not been agreed upon, the Insurer shall have the right to refuse to pay the insurance indemnity
11. compensation for the cost of telephone communication services of the Policyholder (Insured) or a person representing his (her) interests with the Insurer regarding the notification of an insured event.
12. reimbursement of the costs of physician-prescribed fixation devices for injuries. Fixation devices within the scope of this paragraph include only crutches, orthoses, bandages and tourniquets;
13. compensation for the cost of transportation of the Policyholder (Insured) immediately after the end of inpatient treatment, by economy class to the place of permanent or preferential residence or place of registration in Ukraine after the expiry of the insurance contract, if the Policyholder has missed his/her flight due to inpatient treatment. In this case medical evacuation is not covered.
14. payment of expenses for search and rescue of the Policyholder (Insured person) as a result of an accident in mountains, sea, forest or other remote areas, including expenses for transportation, incl. by helicopter (if possible and available), from the place of accident to a medical institution, provided that civil services and organisations are allowed to reach such places. Search and rescue requires written agreement1 regardless of the amount of the expenses. If the expenses have not been agreed upon, the Insurer shall have the right to refuse to pay the insurance indemnity,
15. payment of the cost of hyperbaric therapy
16. Active holiday option
Written consent (agreement) shall be understood to mean sending to the Assisting Company and/or the Insurer a notice of treatment and treatment estimate by means of internet, fax or other means of electronic transmission of information and receiving a written consent (guarantee) from the Assisting Company and/or the Insurer by the same means.
Accident insurance for travelling in Ukraine includes:
- permanent loss of the policyholder's (insured person's) general working capacity (establishment of primary disability group I, II or IIII) due to an accident or
- death of the policyholder (insured person) due to an accident.
Baggage insurance includes the fact that the Policyholder (Insured) has incurred losses caused by damage, destruction or loss of baggage
Insurance of expenses related to rendering assistance (assistance) to persons who have found themselves in a difficult situation while travelling abroad in Ukraine includes:
1. payment (reimbursement) for ambulance (emergency) care at the place of call, carrying out of
primary diagnostic measures, provision of medical care with the use of medicines to the extent necessary for the condition of the Policyholder (Insured person).
2. payment (compensation) of the cost of medical care and treatment services in outpatient and polyclinic conditions; examination to the extent necessary to establish the diagnosis; medical consultations. At the same time, if the cost of treatment exceeds UAH 5000, the Policyholder (Insured person) must agree (agree) the costs in writing with the Assisting company and/or Insurer before the start of treatment 1. If the costs have not been agreed in writing with the Assisting company and/or Insurer, the Insurer shall be liable only to the limit of UAH 5000.
3. payment of the cost of services related to in-patient treatment, i.e.: medical consultations, diagnostics, treatment, emergency surgical intervention, medication, stay in standard-type wards, food according to the norms accepted in the medical institution. The Insurer shall pay the cost of treatment within the limits of its liability (sum insured) established by these insurance terms and conditions only until the time when the health condition of the Policyholder (Insured person), according to the doctor's decision, allows evacuating him/her to his/her permanent or preferential (place of registration) place of residence. In this case, if the cost of treatment exceeds UAH 5000, the Policyholder (Insured person) must agree (agree) the costs in writing with the Assisting company and/or Insurer before the start of treatment 1. If the costs have not been agreed in writing with the Assisting company and/or Insurer, the Insurer shall be liable only to the limit of UAH 5000.
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 from 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 all together or separately are due to acute inflammation of the soft tissues of the tooth and/or adjacent tissues, or jaw trauma resulting from an accident, 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. payment (compensation) of expenses for continuation of treatment of the Policyholder (Insured) in hospital for up to 15 days after the expiry of the insurance contract, if it is medically necessary, without covering the costs of medical evacuation. At the same time, if the cost of treatment exceeds UAH 5000, the Policyholder (Insured) must agree (agree) the costs in writing with the Assisting Company and/or the Insurer before the commencement of treatment 1. If the costs have not been agreed in writing with the Assisting Company and/or the Insurer, the Insurer shall be liable only to the limit of UAH 5000.
8. organisation (if possible) and payment (compensation) of the cost of services related to transportation and medical support of the Policyholder (Insured person) undergoing inpatient treatment to a medical facility
The Insurer shall not reimburse the expenses of further treatment and rehabilitation of the Policyholder (Insured person) after his/her return to the place of permanent or primary residence in Ukraine or place of registration in Ukraine. The Insurer shall not indemnify the expenses for continuation of treatment and rehabilitation of the Policyholder (Insured) after his/her return to the place of permanent or preferential residence in Ukraine or place of registration in Ukraine. 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 to the Policyholder (Insured). Medical evacuation of the Policyholder (Insured) shall be performed only upon written agreement1with the Assisting Company and/ or the Insurer regardless of the amount of such expenses. If the expenses have not been agreed upon, the Insurer shall have the right to refuse to pay the insurance indemnity.
9. 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 place of his/her previous permanent or preferential residence in Ukraine or place of registration in Ukraine, except for transportation of the urn with 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 coffin. A prerequisite for organising repatriation is that the relatives of the deceased Policyholder (Insured) submit a written confirmation of readiness to take the body. Repatriation of the Policyholder's (Insured person's) body shall be carried out only upon written agreement1with the Insurer regardless of the amount of such expenses. If the expenses have not been agreed upon, the Insurer shall have the right to refuse to pay the insurance indemnity
10. payment (compensation) of the cost of burial services for the Policyholder's (Insured person's) body at the place of death. Burial of the Policyholder's (Insured person's) body shall be performed only upon written agreement with the Insurer regardless of the amount of such expenses 1. If the expenses have not been agreed upon, the Insurer shall have the right to refuse to pay the insurance indemnity
11. compensation for the cost of telephone communication services of the Policyholder (Insured) or a person representing his (her) interests with the Insurer regarding the notification of an insured event.
12. compensation of expenses for transportation of the Insured's (the Insured person's) car, which was used for the trip 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 10 years (determined from the date of issue).
13. 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 these terms and conditions to the place of permanent or primary residence or place of registration (except for the occupied territories and territories where military operations are conducted), 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 travelling in economy class by regular public transport, except for air and taxi, is 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 10 years (determined from the date of issue);
14. 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 a service life of not more than 10 years (determined from the date of issue).
15. indemnification of expenses for engaging a lawyer to protect the rights of the Insured (the Insured person) during administrative or judicial proceedings to protect the rights of the Insured (the Insured person) after an accident that occurred with his/her participation.
Written consent (agreement) shall be understood to mean sending to the Assisting Company and/or the Insurer a notice of treatment and treatment estimate by means of internet, fax or other means of electronic transmission of information and receiving a written consent (guarantee) from the Assisting Company and/or the Insurer by the same means.
Accident insurance for travelling in Ukraine includes:
- temporary disability
- permanent loss of the policyholder's (insured person's) general working capacity (establishment of primary disability group I, II or IIII) due to an accident or
- death of the policyholder (insured person) due to an accident.
Insurance of expenses related to rendering assistance (assistance) to persons who have found themselves in a difficult situation while travelling abroad in Ukraine includes:
1. payment (compensation) for emergency (urgent) care at the place of call, performance of primary diagnostic measures, provision of medical care with the use of medicines to the extent necessary for the condition of the Policyholder (Insured).
2. payment (compensation) of the cost of medical care and treatment services in outpatient and polyclinic conditions; examination to the extent necessary to establish the diagnosis; medical consultations. At the same time, if the cost of treatment exceeds UAH 5000, the Policyholder (Insured person) must agree (coordinate) the costs in writing with the Assisting company and/or Insurer before the start of treatment 1. If the costs have not been agreed in writing with the Assisting company and/or Insurer, the Insurer shall be liable only to the limit of UAH 5000.
3. payment of the cost of services related to inpatient treatment, i.e.: medical consultations, diagnostics, treatment, emergency surgical intervention, medication, stay in standard wards, food according to the norms accepted in the given medical institution .
The Insurer shall pay the cost of treatment 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 permanent or preferential (place of registration) place of residence. In this case, if the cost of treatment exceeds UAH 5000, the Policyholder (Insured person) must agree (agree) the costs in writing with the Assisting company and/or Insurer before the start of treatment 1. If the costs have not been agreed in writing with the Assisting company and/or Insurer, the Insurer shall be liable only to the limit of UAH 5000.
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 from 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 all together or separately are due to acute inflammation of the soft tissues of the tooth and/or adjacent tissues, or jaw trauma resulting from an accident, 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. payment (compensation) of expenses for continuation of treatment of the Policyholder (Insured) in hospital for up to 15 days after the expiry of the insurance contract, if it is medically necessary, without covering the costs of medical evacuation. At the same time, if the cost of treatment exceeds UAH 5000, the Policyholder (Insured) must agree (agree) the costs in writing with the Assisting Company and/or the Insurer before the commencement of treatment 1. If the costs have not been agreed in writing with the Assisting Company and/or the Insurer, the Insurer shall be liable only to the limit of UAH 5000.
8. organisation (if possible) and payment (compensation) of the cost of the complex of services related to transportation and medical accompaniment of the Policyholder (Insured), who is on in-patient treatment, to a medical institution, nearest to the place of permanent or preferential residence in Ukraine or place of registration in Ukraine, 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 place of permanent or primary residence in Ukraine or place of registration in Ukraine. 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 to the Policyholder (Insured). Medical evacuation of the Policyholder (Insured) shall be performed only upon written agreement1with the Assisting Company and/ or the Insurer regardless of the amount of such expenses. If the expenses have not been agreed upon, the Insurer shall have the right to refuse to pay the insurance indemnity.
9. organisation (if possible) and payment of the cost of services by .
transportation of the body (repatriation) of the Policyholder (Insured) to the place of his/her previous permanent or preferential residence in Ukraine or place of registration in Ukraine, except for transportation of the urn with 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 coffin. A prerequisite for organising repatriation is that the relatives of the deceased Policyholder (Insured) submit a written confirmation of readiness to take the body. Repatriation of the Policyholder's (Insured person's) body shall be carried out only upon written agreement1with the Insurer regardless of the amount of such expenses. If the expenses have not been agreed upon, the Insurer shall have the right to refuse to pay the insurance indemnity
10. payment (compensation) of the cost of burial services for the Policyholder's (Insured person's) body at the place of death. Burial of the Policyholder's (Insured person's) body shall be performed only upon written agreement with the Insurer regardless of the amount of such expenses 1. If the expenses have not been agreed upon, the Insurer shall have the right to refuse to pay the insurance indemnity
11. compensation for the cost of telephone communication services of the Policyholder (Insured) or a person representing his (her) interests with the Insurer regarding the notification of an insured event.
12. reimbursement of the costs of physician-prescribed fixation devices for injuries. Fixation devices within the scope of this paragraph include only crutches, orthoses, bandages and tourniquets;
13. compensation for the cost of transportation of the Policyholder (Insured) immediately after the end of inpatient treatment, by economy class to the place of permanent or preferential residence or place of registration in Ukraine after the expiry of the insurance contract, if the Policyholder has missed his/her flight due to inpatient treatment. In this case medical evacuation is not covered.
14. payment of expenses for search and rescue of the Policyholder (Insured person) as a result of an accident in mountains, sea, forest or other remote areas, including expenses for transportation, incl. by helicopter (if possible and available), from the place of accident to a medical institution, provided that civil services and organisations are allowed to reach such places. Search and rescue requires written agreement1 regardless of the amount of the expenses. If the expenses have not been agreed upon, the Insurer shall have the right to refuse to pay the insurance indemnity,
15. payment of the cost of hyperbaric therapy
16. Active holiday option
17. compensation of expenses for transportation of the Policyholder's (Insured person's) car on which the trip was made and which became unsuitable for further use as a
result of a sudden technical breakdown or road traffic accident (RTA) to the nearest service station (STO). The insurance terms and conditions under this clause are valid only in relation to the Policyholders (Insured persons) travelling with their own technically serviceable passenger car, the service life of which is not more than 5 years (determined from the date of issue).
18. compensation for the cost of travelling of the driver and passengers who are the Policyholder and \ or Insured persons under the terms and conditions of the insurance contract concluded under these terms and conditions to the place of permanent or preferential residence or place of registration (except for the occupied territories and territories where hostilities are taking place), if the passenger car they are travelling in
travelled, stolen, or damaged as a result of an accident and its further operation is impossible. The cost of travelling in economy class by regular public transport, except air and taxi, shall be indemnified. The insurance terms and conditions under this clause apply only to the Policyholders (Insured persons) travelling with their own technically sound passenger car with a service life of not more than 5 years (determined from the date of issue);
19. compensation of expenses for repair of sudden technical breakdown or damage as a result of road traffic accident of the Policyholder's (Insured person's) passenger car used for travelling or the cost of temporary storage in a guarded car park, if it is impossible to repair it. The insurance terms and conditions under this clause apply only to the Policyholders (Insured persons) travelling with their own technically sound passenger car with a service life of not more than 5 years (determined from the date of issue).
20. compensation of expenses for engaging a lawyer to defend the rights of the Policyholder (Insured) during administrative or court proceedings to protect the rights of the Policyholder (Insured) after a road traffic accident that occurred with his (her) participation.
Written consent (agreement) shall be understood to mean sending to the Assisting Company and/or the Insurer a notice of treatment and treatment estimate by means of internet, fax or other means of electronic transmission of information and receiving a written consent (guarantee) from the Assisting Company and/or the Insurer by the same means.
Accident insurance for travelling in Ukraine includes:
- temporary disability
- permanent loss of the policyholder's (insured person's) general labour capacity (establishment of primary disability group I, II or IIII) due to an accident or
- death of the policyholder (insured person) due to an accident.
Insurance of expenses related to rendering assistance (assistance) to persons who have found themselves in a difficult situation while travelling abroad in Ukraine includes:
1. payment (compensation) for emergency (urgent) care at the place of call, performance of primary diagnostic measures, provision of medical care with the use of medicines to the extent necessary for the condition of the Policyholder (Insured).
2. payment (compensation) of the cost of medical care and treatment services in outpatient and polyclinic conditions; examination to the extent necessary to establish the diagnosis; medical consultations. At the same time, if the cost of treatment exceeds UAH 5000, the Policyholder (Insured person) should agree (coordinate) the costs in writing with the Assisting company and/or Insurer before the start of treatment1. If the costs have not been agreed in writing with the Assisting company and/or Insurer, the Insurer shall be liable only to the limit of UAH 5000.
3. payment of the cost of services related to in-patient treatment, i.e.: medical consultations, diagnostics, treatment, emergency surgical intervention, medication, stay in standard-type wards, food according to the norms accepted in the given medical institution. The Insurer shall pay the cost of treatment within the limits of its liability (sum insured) established by these insurance terms and conditions only until the time when the health condition of the Policyholder (Insured person), according to the doctor's decision, allows evacuating him/her to his/her permanent or preferential (place of registration) place of residence. In this case, if the cost of treatment exceeds UAH 5000, the Policyholder (Insured person) must agree (agree) the costs in writing with the Assisting company and/or Insurer before the start of treatment 1. If the costs have not been agreed in writing with the Assisting company and/or Insurer, the Insurer shall be liable only to the limit of UAH 5000.
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 from 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 all together or separately are due to acute inflammation of the soft tissues of the tooth and/or adjacent tissues, or jaw trauma resulting from an accident, 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. payment (compensation) of expenses for continuation of treatment of the Policyholder (Insured) in hospital for up to 15 days after the expiry of the insurance contract, if it is medically necessary, without covering the costs of medical evacuation. In this case, if the cost of treatment exceeds UAH 5000, the Policyholder (Insured person) should agree (agree) the costs in writing with the Assisting company and/or Insurer before the start of treatment 1Unless the expenses have been agreed in writing with the Assistance Company or the Insurer, the Insurer shall be liable only up to a limit of UAH 5,000.
8. organisation (if possible) and payment (compensation) of the cost of the complex of services related to transportation and medical accompaniment of the Policyholder (Insured person), who is on in-patient treatment, to the medical institution nearest to the place of permanent or preferential residence in Ukraine or place of registration in Ukraine, 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 place of permanent or primary residence in Ukraine or place of registration in Ukraine. 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 to the Policyholder (Insured). Medical evacuation of the Policyholder (Insured person) shall be carried out only upon written agreement1with the Assisting company and/ or the Insurer regardless of the amount of such expenses. If the expenses have not been agreed upon, the Insurer shall have the right to refuse to pay the insurance indemnity.
9. 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 place of his/her previous permanent or predominant residence in Ukraine or the place of
registration in Ukraine, except for transportation of the urn with 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 coffin. A prerequisite for organising repatriation is that the relatives of the deceased Policyholder (Insured) submit a written application confirming their readiness to take the body. Repatriation of the Policyholder's (Insured person's) body shall be carried out only upon written agreement1with the Insurer regardless of the amount of such expenses. If the expenses have not been agreed upon, the Insurer shall have the right to refuse to pay the insurance indemnity
10. payment (compensation) of the cost of burial services for the Policyholder's (Insured person's) body at the place of death. Burial of the Policyholder's (Insured person's) body shall be performed only upon written agreement with the Insurer regardless of the amount of such expenses 1. If the expenses have not been agreed upon, the Insurer shall have the right to refuse to pay the insurance indemnity
11. compensation for the cost of telephone communication services of the Policyholder (Insured) or a person representing his (her) interests with the Insurer regarding the notification of an insured event.
12. payment (compensation) of the cost of medical care for sunburns, allergic dermatitis of any origin;
13. payment (compensation) of the cost of emergency medical care in case of exacerbation of chronic diseases. In this case, if the cost of treatment exceeds UAH 5000, the Policyholder (Insured person) must agree (agree) the costs in writing with the Assisting company and/or Insurer before the start of treatment1. If the costs have not been agreed in writing with the Assisting company and/or Insurer, the Insurer shall be liable only to the limit of UAH 5000;
14. payment (compensation) for the cost of emergency gynaecological care for pregnancies not exceeding 31 weeks;
15. payment (reimbursement) of the cost of medical expenses for premature births. The case will be recognised as an insured event only if the premature birth has started at a gestational age of not more than 31 weeks. In this case, the Insurer shall pay (compensate) the necessary medical expenses for outpatient and/or inpatient care, as well as medical and transport expenses for transportation of the Policyholder (Insured person) to a medical institution within the limit of liability;
16. payment (compensation) of the cost of medical care for a newborn child in case of premature births, if they started at a gestational age of not more than 31 weeks. In this case the Insurer shall pay (compensate) the necessary medical expenses for outpatient and/or inpatient care, as well as medical and transport expenses within the limit of liability;
12. reimbursement of expenses for transportation of the Insured's (the Insured person's) car, which was used for the trip 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 10 years (determined from the date of issue).
13. 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 these terms and conditions to the place of permanent or primary residence or place of registration (except for occupied territories and territories where military operations are conducted), 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 travelling in economy class by regular public transport, except for air and taxi, is 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 10 years (determined from the date of issue);
14. 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 a service life of not more than 10 years (determined from the date of issue).
15. indemnification for expenses for engaging a lawyer to protect the rights of the Insured (the Insured person) during administrative or judicial proceedings to protect the rights of the Insured (the Insured person) after an accident that occurred with his/her participation.
17. indemnification of expenses for transportation of the Insured's (the Insured person's) car, which was used for the trip 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, the service life of which is not more than 10 years (determined from the date of issue).
18. 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 these terms and conditions to the place of permanent or primary residence or place of registration (except for occupied territories and territories where military operations are conducted), 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 travel in economy class by regular public transport, except for air and taxi, is 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 10 years (determined from the date of issue);
19. 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 a service life of not more than 10 years (determined from the date of issue).
20. compensation of expenses for engaging a lawyer to protect the rights of the Insured (the Insured person) during administrative or judicial proceedings to protect the rights of the Insured (the Insured person) after an accident that occurred with his/her participation.
Written agreement (consent) shall mean sending to the Assistance Company and/or the Insurer a notice of treatment and a treatment estimate by means of the Internet, fax or other means of electronic transmission of information and receiving written consent (guarantee) from the Assistance Company and/or the Insurer in the same way.
Accident insurance for travelling in Ukraine includes:
- temporary disability
- permanent loss of the policyholder's (insured person's) general labour capacity (establishment of primary disability group I, II or IIII) due to an accident or
- death of the policyholder (insured person) due to an accident
Baggage insurance includes the fact that the Policyholder (Insured) has incurred losses caused by damage, destruction or loss of baggage
Insurance of expenses related to rendering assistance (assistance) to persons who have found themselves in a difficult situation while travelling abroad in Ukraine includes:
1. payment (compensation) for emergency (urgent) care at the place of call, performance of primary diagnostic measures, provision of medical care with the use of medicines to the extent necessary for the condition of the Policyholder (Insured).
2. payment (compensation) of the cost of medical care and treatment services in outpatient and polyclinic conditions; examination to the extent necessary to establish a diagnosis; medical consultations. In this case, if the cost of treatment exceeds UAH 5000, the Policyholder (Insured person) must agree in writing
(agree) the costs with the Assisting Company and/or the Insurer before the start of the treatment 1Unless the expenses have been agreed in writing with the Assistance Company or the Insurer, the Insurer shall be liable only up to the limit of UAH 5,000.
3. payment of the cost of services related to in-patient treatment, i.e.: medical consultations, diagnostics, treatment, emergency surgical intervention, medication, stay in standard-type wards, food according to the norms accepted in the medical institution. The Insurer shall pay the cost of treatment within the limits of its liability (sum insured) established by these insurance terms and conditions only until the time when the health condition of the Policyholder (Insured person), according to the doctor's decision, allows evacuating him/her to his/her permanent or preferential (place of registration) place of residence. In this case, if the cost of treatment exceeds UAH 5000, the Policyholder (Insured person) must agree (agree) the costs in writing with the Assisting company and/or Insurer before the start of treatment 1. If the costs have not been agreed in writing with the Assisting company and/or Insurer, the Insurer shall be liable only to the limit of UAH 5000.
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 from 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 all together or separately are due to acute inflammation of the soft tissues of the tooth and/or adjacent tissues, or jaw trauma resulting from an accident, 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. payment (compensation) of expenses for continuation of treatment of the Policyholder (Insured) in hospital for up to 15 days after the expiry of the insurance contract, if it is medically necessary, without covering the costs of medical evacuation. In this case, if the cost of treatment exceeds UAH 5000, the Policyholder (Insured) should agree (agree) the costs in writing with the Assisting Company and/or Insurer before the start of treatment 1Unless the expenses have been agreed in writing with the Assistance Company or the Insurer, the Insurer shall be liable only up to a limit of UAH 5,000.
8. organisation (if possible) and payment (compensation) of the cost of the complex of services related to transportation and medical accompaniment of the Policyholder (Insured person), who is on in-patient treatment, to the medical institution nearest to the place of permanent or preferential residence in Ukraine or place of registration in Ukraine, 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 place of permanent or primary residence in Ukraine or place of registration in Ukraine. 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 to the Policyholder (Insured). Medical evacuation of the Policyholder (Insured) shall be performed only upon written agreement1with the Assisting Company and/ or the Insurer regardless of the amount of such expenses. If the expenses have not been agreed upon, the Insurer shall have the right to refuse to pay the insurance indemnity.
9. 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 place of his/her previous permanent or preferential residence in Ukraine or place of registration in Ukraine, except for transportation of the urn with 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 coffin. A prerequisite for organising repatriation is that the relatives of the deceased Policyholder (Insured) submit a written application confirming their readiness to take the body. Repatriation of the Policyholder's (Insured person's) body shall be carried out only upon written agreement1with the Insurer regardless of the amount of such expenses. If the expenses have not been agreed upon, the Insurer shall have the right to refuse to pay the insurance indemnity
10. payment (compensation) of the cost of burial services for the Policyholder's (Insured person's) body at the place of death. Burial of the Policyholder's (Insured person's) body shall be performed only upon written agreement with the Insurer regardless of the amount of such expenses 1. If the expenses have not been agreed upon, the Insurer shall have the right to refuse to pay the insurance indemnity
11. compensation for the cost of telephone communication services of the Policyholder (Insured) or a person representing his (her) interests with the Insurer regarding the notification of an insured event.
12. payment (compensation) of the cost of medical care for sunburns, allergic dermatitis of any origin;
13. payment (compensation) of the cost of emergency medical care in case of exacerbation of chronic diseases. In this case, if the cost of treatment exceeds UAH 5000, the Policyholder (Insured person) must agree (agree) the costs in writing with the Assisting company and/or Insurer before the start of treatment1. If the costs have not been agreed in writing with the Assisting company and/or Insurer, the Insurer shall be liable only to the limit of UAH 5000;
14. payment (compensation) for the cost of emergency gynaecological care for pregnancies not exceeding 31 weeks;
15. payment (reimbursement) of the cost of medical expenses for premature births. The case will be recognised as an insured event only if the premature birth has started at a gestational age of not more than 31 weeks. In this case, the Insurer shall pay (compensate) the necessary medical expenses for outpatient and/or inpatient care, as well as medical and transport expenses for transportation of the Policyholder (Insured person) to a medical institution within the limit of liability;
16. payment (compensation) of the cost of medical care for a newborn child in case of premature births, if they began at a gestational age of 31 weeks or less. In this case the Insurer shall pay (compensate) the necessary medical expenses for outpatient and/or inpatient care, as well as medical and transport expenses within the limit of liability;
17. payment (compensation) of the cost of medical care for illnesses or injuries caused by or in the state
of alcohol intoxication (except for posthumous repatriation). In this case the Insurer indemnifies
medical losses for emergency medical aid necessary to prevent an immediate threat to life or
health or expenses related to the management of acute pain.
18. payment (compensation) for the cost of emergency medical care provided for injuries or illnesses resulting from terrorist acts, military actions and/or natural disasters, including posthumous repatriation. In this case, if
the cost of treatment exceeds 5000 hryvnias the Policyholder (Insured person) must agree (agree) the costs in writing with the Assisting company and/or the Insurer before the commencement of treatment 1. If the costs have not been agreed in writing with the Assisting company and \ or the Insurer, the Insurer shall be liable exclusively in the limit of 5000 hryvnias. Medical evacuation and posthumous repatriation require written agreement regardless of the amount of expenses. If the expenses for medical evacuation or posthumous repatriation have not been agreed upon, the Insurer shall be entitled to refuse to pay the insurance indemnity
19. reimbursement of the costs of physician-prescribed fixation devices for injuries. Fixation devices within the scope of this paragraph include only crutches, orthoses, bandages and tourniquets;
20. compensation for the cost of transportation of the Policyholder (Insured) immediately after the end of inpatient treatment, by economy class to the place of permanent or preferential residence or place of registration in Ukraine after the expiry of the insurance contract, if the Policyholder has missed his/her flight due to inpatient treatment. In this case medical evacuation is not covered.
21. compensation of hotel accommodation expenses for one companion of the Policyholder (Insured person) in the place of travel for a period not exceeding 5 days, if the Policyholder (Insured person) is on in-patient treatment for more than 5 days after the expiry of the term of validity of the insurance contract
22. compensation of expenses for early return by economy class to the place of permanent or preferential residence or place of registration, if necessary, accompanying the Policyholder's (Insured person's) children under 16 years of age in case of hospitalisation or death of the Policyholder (Insured person) at the place of travel.
23. payment of expenses for search and rescue of the Policyholder (Insured person) as a result of an accident in mountains, sea, forest or other remote areas, including expenses for transportation, incl. by helicopter (if possible and available), from the place of accident to a medical institution, provided that civil services and organisations are allowed to reach such places. Search and rescue requires written agreement1 regardless of the amount of the expenses. If the expenses have not been agreed upon, the Insurer shall have the right to refuse to pay the insurance indemnity
24. payment of the cost of hyperbaric therapy
25. active holiday option
Accident insurance for travelling in Ukraine includes:
- temporary disability
- permanent loss of the policyholder's (insured person's) general working capacity (establishment of primary disability group I, II or IIII) due to an accident or
- death of the policyholder (insured person) due to an accident.
Baggage insurance includes the fact that the Policyholder (Insured) has incurred losses caused by damage, destruction or loss of baggage
Insurance contracts under this insurance product are not concluded with individuals over 90 years of age (except for cases of individual agreement with the Insurer), as well as citizens of other countries, except Ukraine.
When insuring persons over 65 years of age, surcharges are applicable.
The insurance contract for Class 18 risks related to travelling by own car is valid only in relation to the Policyholders (Insured persons) travelling with their own technically sound passenger car with a service life of not more than 10 years (determined from the date of issue). Insurance contracts shall not be concluded in respect of the following persons:
with natural persons over 90 years of age (except for cases of individual agreement with the Insurer)
citizens of countries other than Ukraine.
legally recognised as legally incapacitated; coverage is not available: in the temporarily occupied territories of Ukraine;
in the territories of Ukraine where active hostilities are taking place;
in an area where a state of emergency or threat of a natural disaster has been officially declared, unless otherwise specified in the terms and conditions of insurance;
in the settlement and/or in the territory of the community where the Policyholder (Insured person) permanently or predominantly resides, as well as the settlement where the Policyholder (Insured person) is registered.
The insurance contract for Class 7 risks may be concluded for a period not exceeding 31 days. If a longer term is determined, the insurance cover will be valid for the first 31 days from the date of commencement of the insurance term (period).
The validity of the Contract in terms of insurance of risks under Class 7 (luggage) does not cover: fur items, jewellery, printing devices, cinema, photo, video equipment, laptops, mobile phones, etc. and any accessories thereto;
jewellery, securities, cash, bank payment cards and account balances; precious metals, precious and semi-precious stones;
antique and unique items, works of art and collectibles; travel documents, any type of documents, slides, photographs, film copies; manuscripts, plans, schematics, drawings, models, business papers;
any types of prostheses, contact lenses; wrist and pocket watches;
animals, plants and seeds, food;
motor, motorbike, bicycle, air and water transport means, as well as spare parts for them; religious items;
personal hygiene products, decorative cosmetics It is recognised that:
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 great rarity of products, works of art; antique - ancient objects of great artistic or other value;
spare parts - any assemblies, parts, parts and accessories for vehicles, mechanisms, electronic equipment devices, etc.
The minimum and maximum sum insured under this insurance product may be:
Class 18: UAH 50,000 or UAH 100,000
Class 1: UAH 5,000 or 10,000
Class 7: UAH 5,000 or 10,000
The amount of the Sum Insured is determined in the individual part of the Insurance Contract. In case of insurance of several persons, the specified Sum Insured for each class is the Sum Insured separately for each of the Insured Persons.
Upon occurrence of insured events, the sum insured shall each time be reduced by the amount of insurance benefits 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, the insurance contract shall be terminated in full or for a separate insurance product. The limit of liability for class 18, 1 is determined in a constant amount in UAH depending on the insured risk and is specified in the individual part of the insurance contract.
When selecting the Standard Terms and Conditions programme: The insurance rate is 0.08 per cent.
The minimum and maximum insurance premiums per person are UAH 13 per day and UAH 4,745 per year
When selecting the "ACTIVE Standard Terms and Conditions" programme:
The insurance rate is 0.12%
The minimum and maximum insurance premium per person is UAH 24 per day and UAH 8,760 per year
When selecting programme "Journey by own AUTO":
The insurance rate is 0.09%
The minimum and maximum insurance premium per person is UAH 36 per day and UAH 13140 per year
When selecting programme "Journey by own AUTO ACTIVE":
The insurance rate is 0.13%
The minimum and maximum insurance premiums per person are UAH 58 per day and UAH 21170 per year
When you select Full Coverage Programme:
The insurance rate is 0.045%
The minimum and maximum insurance premium per person is UAH 27 per day and UAH 9855 per year.
When selecting programme "Full ACTIVE coverage":
The insurance rate is 0.09%
The minimum and maximum insurance premium per person is UAH 54 per day and UAH 19,710 per year.
If an insurance contract is concluded during a trip less than 48 hours before the start of the insurance period, a temporary deductible of 48 hours will apply, starting from the day following the date specified as the start of the insurance period.
Unconditional and/or conditional deductibles do not apply.
The territory of validity of the insurance cover shall be specified in the individual part of the insurance contract as the geographical area of Ukraine.
However, the insurance contract concluded under these conditions shall not be valid for:
• temporarily occupied territories of Ukraine*;
• territories of Ukraine where active hostilities are taking place*;
• areas where a state of emergency or threat of natural disaster has been officially declared, unless otherwise specified in the terms and conditions of insurance;
• the settlement or in the territory of the community where the Policyholder (Insured) permanently or predominantly resides, as well as the settlement where the Policyholder (Insured) is registered.
*List of temporarily occupied territories of Ukraine and territories of Ukraine where active hostilities are taking place, as defined by order of the Ministry of Community and Territorial Development of Ukraine
Commencement and expiry of the contractual term
On Class 18 risks:
1. the insurance contract must be concluded before the beginning of the trip, i.e. before the beginning of departure from the permanent or preferential place of residence or place of registration;
2. the insurance term (or period) and the number of insured days shall be chosen by the Policyholder independently;
3. if the insurance contract is concluded before the beginning of the Policyholder's (Insured person's) trip, the nearest date of the beginning of the insurance term (period) may be 00:00 hours 00 minutes of the day following the date of conclusion of the insurance contract or be a later date. In such a case, the insurance cover (insurance coverage) and the countdown of the number of insured days shall start from the day specified as the beginning of the insurance term (period) (according to the date which is later), but not earlier than the moment of payment of the insurance premium.
4. in case of conclusion of the insurance contract during the Policyholder's (Insured person's) stay on a trip, the Policyholder must take into account that the nearest date of commencement of the insurance term (period) may be the date not earlier than 48 hours from the date of conclusion of the insurance contract and payment of the insurance premium.
If the beginning of the insurance term chosen by the Policyholder is earlier than the one specified in the first part of this clause 4, in order to avoid fraudulent actions, the insurance cover will come into effect 48 hours after the date specified as the beginning of the insurance term (period), counting from the next day specified as the beginning of the insurance term. At the same time, coverage for the costs of medical services provided in connection with the occurrence of an accident will be subject to the following:
- health services have been provided as of the next day of the date specified as the beginning of the insurance period;
- the accident did not occur before the date and time of conclusion of the insurance contract and the day specified as the beginning of the insurance period;
- the insurance premium has been paid in full.
The period of the temporary franchise shall count towards the total term of the contract. All events and services that occur or are provided during the temporary franchise period shall count towards the total term of the contract
deductibles, other than the provision of services described in this paragraph in connection with the occurrence of an accident, are not considered insurance and are not eligible for coverage;
If the requirements for concluding the contract and determining the beginning of the insurance term (period) set out in part one of this clause are met, the insurance cover and the countdown of the number of insured activities will start from the date specified as the beginning of the insurance term (period).
5. Insurance cover ends at the moment of return of the Policyholder (Insured) to the permanent (preferential) place of residence (place of registration) or at 24 hours Kiev time of the day specified as the end of the term (period) of insurance with obligatory taking into account the time franchise and the number of insured days (according to the date that occurred earlier).
The minimum number of days insured can be 3 The maximum is 365 days.
For Class 1 risks:
The validity of the contract starts from the moment of the Policyholder (Insured) boarding the vehicle at the starting point of the trip in Ukraine, including the one specified in the travel service contract or ticket, but not earlier than the date specified in the individual part of the insurance contract as the beginning of the insurance period, and ends at the final point of the trip/place specified in the travel service contract or ticket, when leaving the vehicle in the settlement of the place of permanent (preferential) residence (place of registration).
The minimum number of days insured can be 3 The maximum is 365 days.
On Class 7 risks:
The validity of the contract starts from the moment of transferring the luggage under 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 payment. The validity of the contract ends at the moment of receiving the luggage from the carrier, but not later than the end of the insurance period specified in the individual part of the insurance contract with mandatory consideration of the number of insured days or 30 days from the date specified in the individual part of the insurance contract as the beginning of the insurance period (according to the date that occurred earlier).
The minimum number of insured days can be 3. The maximum is 30 days.
Failure to report the occurrence of an insured event in a timely manner without valid reasons may be an independent ground for refusing the insurance benefit.
Failure to coordinate expenses (irrespective of the amount) with the Assisting company related to medical transport of the Policyholder (Insured person), ritual rescue services, search operations and others irrespective of the amount, if such coordination is provided for by the terms and conditions of the insurance product shall be an independent ground for refusal of the insurance benefit.
In case of failure to agree with the Assisting Company on medical expenses in the amount of more than UAH 5,000, the Insurer shall make a payment in the amount not exceeding UAH 5,000.
Upon failure to pay the insurance premium in the amount and within the terms specified in the contract, the contract shall be deemed not concluded and the insurance cover shall not be valid.
the Product is not additional to other goods, work or services that are not insurance.
Discounts do not apply to this product, no promotional offers are available
Before concluding the Insurance Contract, the Policyholder shall be obliged to provide information to the Insurer about circumstances that are material for risk assessment. Such information shall be:
- territory of action (country of travel);
- the insurance period and the desired number of insured days; -
- the number of journeys during the insurance period;
- number of Insured persons;
- the place of residence of the Policyholder (Insured persons) at the time of conclusion of the insurance contract;
- purpose of the trip;
- age of the insured person;
- the amount of the sum insured;
- application/non-application of the franchise;
- name of the insurance programme of the insurance product and/or insurance package (insurance product);
The provision of the above information shall be carried out by the Policyholder To the Insurer by filling in the relevant data in electronic forms on the insurance
intermediary's website or via the insurance agent's ITS, or orally to the Insurer's representative the insurance agent with whose participation the Insurance Contract is concluded
Please note that before concluding an insurance contract, the Insured MUST familiarize himself with the following information:
- about exceptions from insurance cases and grounds for refusal to make insurance payments;
- the limits of the insurer's liability for a separate object of insurance;
- insurance risk and/or insurance event;
- about cases in which it is necessary to coordinate expenses with the Assisting Company of the Insurer and/or the Insurer;
- about the order of calculation and conditions for the implementation of insurance payments
The specified information is contained in the Information document on the standard insurance product "Tourist insurance for citizens of Ukraine traveling on the territory of Ukraine and who are holders of bank cards of JSC CB "PRIVATBANK": short-term contracts for one-time trips, which can be concluded in the "Privat24" application and in branches of JSC CB "PRIVATBANK", which is current at the time of conclusion of the Agreement and is available at the link, as well as in the General conditions of the insurance product "Tourist insurance for citizens of Ukraine traveling on the territory of Ukraine and who are bank card holders of JSC CB "PRIVATBANK": short-term contracts for one-time trips, which can be concluded in the "Privat24" application and in branches of JSC CB "PRIVATBANK", located on the link https://eurotravelins. com.ua/ua/strakhovi-produkti-dlja-fizichnikh-osib/strakhovi-produkti-dlja-klijentiv-finansovikh-ustanov/strakhovi-paketi-dlja-podorozhujuchikh-ukrajinoju/?print=y%2F%2F%2F%2Ff
