General Insurance Product Terms and Conditions (GITC) and Standard Insurance Product Information Documents
life, health, unforeseen losses or expenses of the Policyholder (Insured person) depending on the insured risk.
depending on the insured risk.
Insurance of expenses related to rendering assistance (assistance) to persons who got into a difficult situation while travelling abroad with
in a difficult situation when travelling abroad with the purpose of employment or training
for the purpose of employment or training:
- payment (compensation) for the cost of ambulance (emergency) services at the place of call,
carrying out of primary diagnostic measures, provision of medical assistance with
medical care with the use of medicines in the amount necessary for the condition of the Policyholder
(Insured person) to the extent necessary for the condition of the Policyholder (Insured person);
- payment (compensation) for the cost of medical care and treatment services in the
payment (compensation for the cost of medical care and treatment services in outpatient and polyclinic conditions; examination to the extent necessary to
diagnosis; medical consultations. The limit of liability is determined in the
individual part of the insurance contract;
- payment for the cost of services related to inpatient treatment, i.e.: consultations of doctors, diagnostics, treatment, emergency treatment.
medical consultations, diagnostics, treatment, emergency surgical intervention, medication, stay in standard wards.
medical care, stay in standard-type wards, food according to the norms accepted in the given medical institution;
- payment (reimbursement) of the cost of express testing and laboratory tests
for COVID-19 prescribed by a doctor in case of signs of the disease, which is confirmed by a relevant medical report.
confirmed by the relevant medical report, as well as outpatient and
in-patient treatment of the Policyholder (Insured) on COVID-19;
- payment (reimbursement) of the cost of medicines intended for urgent
payment (compensation of the cost of medicines intended for emergency treatment, or compensation of expenses in case of independent purchase of medicines prescribed by a doctor in a pharmacy.
medicines prescribed by a doctor. The limit of liability is determined in the
individual part of the insurance contract;
- payment (compensation) for the cost of emergency dental care, namely:
dental examination; X-ray examination; extraction or filling of
teeth with temporary fillings, which all together or separately are caused by acute
inflammation of the soft tissues of the tooth and/or its adjacent tissues, or jaw
trauma received as a result of an accident;
- payment (reimbursement) of the cost of transportation services by ground transport
of the Policyholder (Insured) to a medical institution, if the state of health of the Policyholder (Insured) is in a state of health
of the Policyholder (Insured) does not allow to move independently;
- payment (compensation) of expenses for continuation of treatment of the Policyholder (Insured person) in a hospital for up to
in hospital for up to 15 days after the expiry of the term of the insurance contract
if it is medically necessary;
- Organisation and payment of the cost of services related to transportation and medical support of the Policyholder (Insured)
medical support of the Policyholder (Insured person) undergoing in-patient treatment, from abroad
Inpatient treatment from abroad to the medical institution nearest to the place of permanent residence, if there are medical indications of medical treatment
in the presence of medical indications of the need for further inpatient treatment;
- Organisation and payment of the cost of the complex of services for transportation of the body (repatriation)
of the Policyholder (Insured person) to the customs border of the country of his/her previous
permanent residence;
- payment (compensation) of the cost of burial services of the Policyholder's (Insured person's) body in the country of his/her previous permanent residence
(Insured person) in the country of the place of death;
- compensation for the cost of telephone communication services of the Policyholder (Insured person)
or a person representing his (her) interests with the Insurer regarding the notification of the insured event.
insured event.
Accident insurance when travelling abroad in Ukraine
includes:
- temporary loss of the policyholder's (insured person's) general labour capacity,
not less than for 5 days, as a result of an accident or
- permanent loss of general labour capacity by the policyholder (insured person)
(establishment of primary disability of group I, II or IIII) due to an accident
or
- death of the policyholder (insured person) as a result of an accident.
Insurance contracts concluded under the terms and conditions of this product are valid in case of
the Policyholder (Insured person) has a current national visa type D and / or national visa type C (for the Czech Republic), or a similar visa for other countries, or a similar visa for other countries.
or national visa type C (for the Czech Republic), or similar visa for other countries, as well as
proof of the purpose of travelling for a long-term stay: an up-to-date employment contract (contract).
employment contract; invitation and / or contract for study at the relevant educational institutions; if together with the long-term stay: a current employment contract; invitation and / or contract for study at the relevant educational institutions
If a minor is insured together with his/her parents, such proof of the purpose of travelling for a long-term stay
If a minor is insured together with the parents, such proof is a national visa type D and/or
or national visa type
Insurance contracts are not concluded in respect of the following persons:
● natural persons aged over 75 years
citizens of the Russian Federation, Belarus, Syria, Iran, North Korea and Myanmar, except for those who are citizens of the Russian Federation, Belarus, Syria, Iran, North Korea and Myanmar.
Myanmar, except for those who have a permanent residence permit in Ukraine.
● legally recognised as legally incapable;
● insurance coverage is not valid in the territory of permanent residence
The Policyholder (Insured person); Russian Federation; Belarus; Syria; Iran;
North Korea and Myanmar
The minimum and maximum sum insured under this insurance product may be as follows
be:
For class 18: 30,000 or 75,000 euros/dollars.
Class 1: 3000 or 7500 euros/dollars
Recalculation of the sum insured into the hryvnia equivalent is carried out at the NBU exchange rate,
determined as of the date of conclusion of the insurance contract.
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 of classes
is the sum insured separately for each of the Insured persons
The minimum and maximum insurance rate is 0.0057%-0.3463%
respectively
The minimum and maximum insurance premium is UAH 210 and UAH 12775.
Unconditional deductible from 0 to 50 c.u. may be applied. Currencies of the sum insured
sum insured
The territory of operation is indicated in the treaty as the ‘Europe’ zone (graphical representation
EUROPE or EU). The Europe zone includes all countries of geographical Europe, as well as
Algeria, Egypt, Israel, Morocco, Tunisia, Turkey.
The insurance contract is not valid on the territory of:
- Ukraine, including temporarily occupied territories of Ukraine;
- the country of permanent residence, except for the countries of employment and / or
education;
- countries where hostilities are taking place;
- Areas where a state of emergency or threat of a natural disaster has been officially declared
natural disaster;
- countries under UN supervision or sanction;
- countries carrying out armed aggression against Ukraine (including the Russian Federation, the Republic of Belarus, etc.)
Russian Federation, Republic of Belarus, etc.);
- in the territory of Iran, North Korea, Myanmar, Syria;
Term of insurance for risks of class 18:
Beginning and expiry of the term of the contract for risks of insurance of expenses related to
rendering assistance (assistance) to persons who have got into a difficult situation while travelling abroad in Ukraine.
travelling abroad in Ukraine, namely for persons who on the date of the insurance contract are in the territory of Ukraine
of the insurance contract are on the territory of Ukraine:
10.1.1 the insurance contract shall be concluded before the beginning of the journey (i.e. before crossing the border of Ukraine)
.
crossing the border of Ukraine)
10.1.2 the period of insurance cover (term of validity of the contract) and the number of insured days shall be selected by the Insurer.
insured days shall be chosen by the Policyholder independently
10.1.3.
10.1.3 the beginning of the insurance period may coincide with the date of conclusion of the insurance contract
or be a later date;
10.1.4.
10.1.4 insurance cover (insurance coverage) and counting of the number of insured days
starts from the moment when the Policyholder (Insured) passes the border control of Ukraine when travelling abroad;
10.1.4.
border control of Ukraine when travelling abroad or from 00 o'clock Kiev time of the day,
specified as the beginning of the insurance period (on the date that is later), but not earlier than the moment of payment of the insurance payment and the date of payment of the insurance premium.
the moment of payment of the insurance payment and crossing the border of Ukraine.
10.1.5 insurance defence (insurance coverage) ends at the moment of passing through the border of Ukraine.
The Policyholder (Insured person) passes the border control of Ukraine when returning from abroad or at 24 hours Kiev time.
from abroad or at 24 hours Kiev time of the day specified as the end of the insurance term.
insurance period with obligatory taking into account the number of insured days (according to the date which
earlier).
Beginning and expiry of the period of validity of the contract with regard to Insurance of expenses related to
rendering assistance (assistance) to the persons who have got into a difficult situation while travelling abroad
travelling abroad of Ukraine, namely for persons who on the date of the insurance contract are outside Ukraine
on the date of insurance contract execution, are outside Ukraine:
1. period of insurance cover (term of the contract) and number of insured days
shall be chosen by the Policyholder independently, taking into account that the insurance contract shall be concluded three days prior to the desired date of the insurance contract.
be concluded three days prior to the desired date of commencement of the insurance period (insurance coverage);
1.
2. in case of breach of the term specified in the previous paragraph, the insurance cover
(insurance cover) will be effective 48 hours after the date specified as the beginning of the insurance period, which starts from the date of the beginning of the insurance period.
2. In case of violation of the term specified in the previous paragraph, the insurance cover (insurance coverage) shall become effective 48 hours after the date specified as the beginning of the insurance term.
of the insurance period. At the same time, the provision of medical services in connection with the occurrence of an accident will be effected from the date specified in the preceding paragraph.
will be provided from the date specified as the beginning of the insurance period,
provided that the accident has not occurred earlier than the date and time of conclusion of the insurance contract and the date specified as the beginning of the insurance period.
of the insurance contract and the day specified as the beginning of the term, and on condition that the insurance premium is paid
premium;
3. insurance cover ends at the moment of passing of the Policyholder (Insured person) through the border control of Ukraine at the time of payment of the insurance premium;
.
3. insurance cover shall end at the moment of passing of the Policyholder (Insured) through Ukrainian border control when returning from abroad or at 24 hours Kiev time of the day indicated as the beginning of the term
Kiev time of the day specified as the end of the insurance period with obligatory account of the number of insured days (according to the number of insured days).
taking into account the number of insured days (according to the date that occurred earlier).
If the individual part of the insurance contract provides for multiple journeys (multy), the Insurance Policy shall be valid for the number of insured days.
travelling (multy), the Insurer shall be liable to the extent of the total number of days of stay abroad specified in the insurance contract.
number of days of stay abroad specified in the contract for the insurance period. In case of
Each trip abroad the insurance cover period is automatically reduced by the number of days spent abroad.
decreases by the number of days spent by the Policyholder (Insured) on the territory of the contract.
in the territory of validity of the contract. The beginning of the Policyholder's (Insured person's) stay abroad for each separate trip shall be automatically reduced.
The beginning of the Policyholder's (Insured person's) stay abroad for each individual trip is determined in accordance with the marks of the border guard in the passport of the Insured person.
of the Border Guard Service in the passport of a person travelling abroad, or in accordance with the
information (letter) of the border guard service of the country to which the trip was made or other similar document.
.
Term of insurance for Class 1 risks:
The beginning and the end of the term of validity of the contract concluded under the condition of insurance against
accident.
The validity of the insurance contract starts from the moment of the Policyholder's (Insured person's) boarding the transport
(Insured person) in the vehicle at the point of the beginning of the journey indicated in the ticket, etc.
ticket, etc., but not earlier than the beginning of the insurance period specified in the individual part of the insurance contract and payment of the insurance payment.
of the insurance contract and payment of the insurance premium, and ends at the final point of the journey specified in the insurance contract.
of the trip specified in the travel service contract or when leaving the vehicle in Ukraine or at the end of the insurance period.
of the vehicle in Ukraine or at the end of the insurance period with obligatory taking into account the number of insured days (in accordance with the individual part of the insurance contract).
the number of insured days (according to the date that has come
The minimum number of insured days can be 3.
The maximum is 365 days.
Failure to report the occurrence of an insured event in a timely manner without valid reasons may be an independent basis for refusing the insurance benefit.
may be an independent ground for refusal of the insurance benefit.
Failure to agree the expenses (regardless of the amount) with the Assisting Company,
related to medical transport of the Policyholder (Insured person),
ritual rescue services shall be an independent ground for refusal of the insurance benefit.
insurance payment.
In case of failure to agree with the Assisting Company on medical expenses in the amount of
more than 1000 c.u. of the sum insured currency, the Insurer shall make a payment in the amount not exceeding 1000 c.u. of the sum insured.
In case of failure to agree with the Assisting Company on medical expenses in the amount exceeding 1000 c.u. of the Sum Insured currency.
In case of non-payment of the insurance premium in the amount and within the terms specified in the contract, the contract
shall be deemed not concluded and the insurance cover shall not be valid.
The product is not additional to other goods, works or services that are not
insured.
Class 18 insurance contracts are always concluded with Class 1 insurance.
Discounts do not apply to this product and 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
‘Insurance of expenses related to rendering assistance (assistance) to persons who have fallen into a difficult situation and from an accident
in a difficult situation and from an accident while travelling abroad in Ukraine for the purpose of employment or training’, which is a standard insurance product.
for the purpose of employment or training’, 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/informacija_jur/2_robota/IDSPP_z_01.11.2024.pdf , а саме:
as well as in ‘Insurance of expenses related to rendering assistance (assistance) to persons in a difficult situation and from an accident while travelling abroad with Ukraine
in a difficult situation and from an accident while travelling abroad with the purpose of employment or training’, which is relevant at the moment of conclusion of the Contract.
for the purpose of employment or training’, which is current at the moment of conclusion of the Contract.
and is available at the link https://eurotravelins.com.ua/upload/informacija_jur/2_robota/ZUSP_ROBOTA_z_01.11.2024.pdf
