Insurance products for a work visa for persons travelling abroad for employment
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.
- 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.
- 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
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
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.
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.
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.
The Insurer shall not pay and shall not reimburse the cost of treatment and services related to such
diseases and events:
1. treatment of chronic diseases (unless otherwise provided for by the insurance programme chosen by the Insurance programme chosen by the Policyholder), congenital anomalies (malformations), deformations and chromosomal disorders, autoimmune diseases, cholelithiasis, urolithiasis and related complications (empyema of the gallbladder, hydronephrosis of the kidney, etc.), even if they manifested periodically or were detected for the first time. for the first time. This covers the management of acute pain until the condition is stabilised, with the exception of surgical intervention;
< with the exception of surgical intervention;
2. neoplasms (including oncological diseases), endocrine system diseases, diabetes mellitus, even if they occur periodically or were detected for the first time;
. endocrine system diseases, diabetes mellitus, even if they were detected for the first time;
3. 3. nervous diseases (except neuritis), neuroses (panic attacks, hysterical neuroses (panic attacks, hysterical states, depression, etc.), mental diseases and disorders;
4. 4. venereal diseases, immunodeficiency state, AIDS;
5. diseases of blood and hematopoietic organs;
5. 6. epidemic and pandemic diseases;
6. 7. Covid-19 testing at the request of the Policyholder (Insured person) without the referral of the treating doctor, if the Policyholder (Insured person) has received a medical certificate from the treating doctor. if the result is negative;
8. 8. acute and chronic radiation sickness;
9. Medical assistance in pregnancy (except for ectopic pregnancy) and in labour;
9. childbirth;
10. any health disorder, complications or death due to failure to fulfil the any health disorders, complications or death due to failure to fulfil the recommendations of the attending physician, side effects of medicines that were not prescribed by the doctor's recommendations, side effects of medicines not prescribed by a doctor, and side effects of nutritional supplements;
11. 11. diseases or consequences (complications) of diseases with viral hepatitis, tuberculosis;
12. diseases and disorders of the hearing organs, except for acute diseases of the hearing organs. hearing organs. Also, expenses related to washing of the ear lobe (wax plugs, water ingress, etc.) are not covered. plugs, water ingress, etc.);
13. 13. diseases of the eye related to contact lens care disorders and allergic conjunctivitis;
14. fungal and dermatological diseases, as well as allergic dermatitis of any origin, sunburns of the first year;
14. allergic dermatitis of any origin, sunburns of the first and second degree, insect stings, jellyfish stings, seaweed;
15. injuries or illnesses that occurred before the commencement of the insurance period, on the day or
15. injuries or illnesses that occurred before the beginning of the insurance period, on the day of or on the eve of the conclusion of the insurance contract and / or in the territory of the permanent place of residence, even if discovered for the first time, which have resulted in medical or additional expenses during the trip, as well as illnesses that have arisen after the return of the Policyholder (Insured). after the return of the Policyholder (Insured) from the trip;
16. further treatment of the Policyholder (Insured person) if he/she refuses to medical evacuation to the place of permanent residence. The Parties have agreed that telephone recording of the conversation of the Policyholder (Insured) or his/her relatives to the Assisting Company or the Insurer regarding the refusal of medical evacuation shall be equal to a written refusal and may be used by the Insurer as evidence in case of disputes;
17. medical examination, is not a consequence of acute pain, sudden illness and bodily injury; the provision of services that are not reasonably medically necessary or urgent (including supervisory medical examinations); examination (consultation) of a physician, the results of which are not prescribed (including follow-up examinations by a doctor; examination (consultation) by a doctor that does not result in treatment) or are not part of the treatment prescribed by a doctor; provision of special services such as a separate room, a private room, or services such as a separate room, telephone, television and the like;
18. 18. services and treatment that can be postponed until the return from travelling, including the performance of surgical operations, which can be postponed until the return from travelling. including surgical operations, which can be replaced by a course of conservative treatment until the end of the journey, etc. replaced by a course of conservative treatment, etc.;
19. 19. performance of high-tech manipulations and operations, in particular but not exclusively on heart and blood vessels;
19. exclusively on heart and vessels, including angiography, coronarography, angioplasty, bypass surgery, stenting, artificial pacemaker placement, as well as plastic surgeries on joints and ligaments, including atroscopic diagnostic and surgical interventions and the like;
20. 20. diagnostic services: consultations, laboratory tests and other activities are not prescribed by the doctor and \ or the Assisting Company as necessary to establish a diagnosis for the purpose of further treatment;
21. 21. carrying out preventive vaccinations;
22. medical examinations and laboratory tests not related to the insured event;
22. insured event;
23. all types of plastic and cosmetic surgeries and procedures, all types of prosthetics, organ transplantation;
23. prosthetics, organ transplantation;
24. 24. dental treatment, except as specified in the insurance contract;
24. 25. physiotherapeutic, rehabilitation treatment and treatment with non-traditional methods;
25. methods;
26. therapeutic recreation, sanatorium-resort and health-improving treatment, as well as spa procedures;
26. 27. purchase or repair of auxiliary aids (such as pacemakers, eyeglasses, contact lenses, hearing aids, inhalers, prostheses, crutches, wheelchairs, measuring devices, bandages, tourniquets, etc.), means for metal osteosynthesis, etc. for metal osteosynthesis (pins, screws, plates, pins and similar materials), purchase of general tonic preparations, hygiene products, baby food;
28. 28. artificial insemination, infertility treatment, measures to prevent pregnancy;
28. pregnancy;
29. treatment of alcoholism, drug addiction, etc., including treatment of withdrawal syndrome;
29. syndrome;
30. medical evacuation, repatriation, burial abroad, rescue operations organised without written agreement;
30. operations are organised without written agreement (consent) with the Assisting company and \ or the Insurer regardless of the amount of expenses;
31. expenses when the trip was made with the intention to receive medical treatment;
32. 32. self-medication, as well as treatment provided by spouses, parents or children;
32. 33. the need for individual care, patronage, protection;
33. 34. expenses for accommodation, food, etc., including during the period of stay on self-isolation, quarantine, observation, etc., as well as during outpatient treatment;
35. 35. for continuation of treatment of the Policyholder (Insured) after his/her return from travelling to the place of permanent or temporary stay (residence), as well as not indemnified for (residence), as well as the expenses covered by social, medical insurance and other security are not indemnified;
35. social, medical insurance and other security;
36. 36. no indemnification shall be provided for expenses exceeding 1000 c.u. of the currency of the sum insured, for which a prior written agreement is required which require prior written agreement (consent) with the The Assisting Company and \ or the Insurer, and such agreement (consent) has not been made;
36. has not been made;
37. purchase of food, drinks, decorative cosmetics, jewellery and the like;
37. similar;
38. moral damage;
39. 39. transport of an urn with ashes of the deceased Policyholder (Insured);
39. 40. other events, services rendered and/or expenses that are not included in the insurance programme selected by the Policyholder or the Insured;
40. insurance programme selected by the Policyholder or occurred before or after the beginning or after the end of the insurance period or not in the territory of the insurance coverage. end of the insurance period or not in the territory of validity of the contract.
1. treatment of chronic diseases (unless otherwise provided for by the insurance programme chosen by the Insurance programme chosen by the Policyholder), congenital anomalies (malformations), deformations and chromosomal disorders, autoimmune diseases, cholelithiasis, urolithiasis and related complications (empyema of the gallbladder, hydronephrosis of the kidney, etc.), even if they manifested periodically or were detected for the first time. for the first time. This covers the management of acute pain until the condition is stabilised, with the exception of surgical intervention;
< with the exception of surgical intervention;
2. neoplasms (including oncological diseases), endocrine system diseases, diabetes mellitus, even if they occur periodically or were detected for the first time;
. endocrine system diseases, diabetes mellitus, even if they were detected for the first time;
3. 3. nervous diseases (except neuritis), neuroses (panic attacks, hysterical neuroses (panic attacks, hysterical states, depression, etc.), mental diseases and disorders;
4. 4. venereal diseases, immunodeficiency state, AIDS;
5. diseases of blood and hematopoietic organs;
5. 6. epidemic and pandemic diseases;
6. 7. Covid-19 testing at the request of the Policyholder (Insured person) without the referral of the treating doctor, if the Policyholder (Insured person) has received a medical certificate from the treating doctor. if the result is negative;
8. 8. acute and chronic radiation sickness;
9. Medical assistance in pregnancy (except for ectopic pregnancy) and in labour;
9. childbirth;
10. any health disorder, complications or death due to failure to fulfil the any health disorders, complications or death due to failure to fulfil the recommendations of the attending physician, side effects of medicines that were not prescribed by the doctor's recommendations, side effects of medicines not prescribed by a doctor, and side effects of nutritional supplements;
11. 11. diseases or consequences (complications) of diseases with viral hepatitis, tuberculosis;
12. diseases and disorders of the hearing organs, except for acute diseases of the hearing organs. hearing organs. Also, expenses related to washing of the ear lobe (wax plugs, water ingress, etc.) are not covered. plugs, water ingress, etc.);
13. 13. diseases of the eye related to contact lens care disorders and allergic conjunctivitis;
14. fungal and dermatological diseases, as well as allergic dermatitis of any origin, sunburns of the first year;
14. allergic dermatitis of any origin, sunburns of the first and second degree, insect stings, jellyfish stings, seaweed;
15. injuries or illnesses that occurred before the commencement of the insurance period, on the day or
15. injuries or illnesses that occurred before the beginning of the insurance period, on the day of or on the eve of the conclusion of the insurance contract and / or in the territory of the permanent place of residence, even if discovered for the first time, which have resulted in medical or additional expenses during the trip, as well as illnesses that have arisen after the return of the Policyholder (Insured). after the return of the Policyholder (Insured) from the trip;
16. further treatment of the Policyholder (Insured person) if he/she refuses to medical evacuation to the place of permanent residence. The Parties have agreed that telephone recording of the conversation of the Policyholder (Insured) or his/her relatives to the Assisting Company or the Insurer regarding the refusal of medical evacuation shall be equal to a written refusal and may be used by the Insurer as evidence in case of disputes;
17. medical examination, is not a consequence of acute pain, sudden illness and bodily injury; the provision of services that are not reasonably medically necessary or urgent (including supervisory medical examinations); examination (consultation) of a physician, the results of which are not prescribed (including follow-up examinations by a doctor; examination (consultation) by a doctor that does not result in treatment) or are not part of the treatment prescribed by a doctor; provision of special services such as a separate room, a private room, or services such as a separate room, telephone, television and the like;
18. 18. services and treatment that can be postponed until the return from travelling, including the performance of surgical operations, which can be postponed until the return from travelling. including surgical operations, which can be replaced by a course of conservative treatment until the end of the journey, etc. replaced by a course of conservative treatment, etc.;
19. 19. performance of high-tech manipulations and operations, in particular but not exclusively on heart and blood vessels;
19. exclusively on heart and vessels, including angiography, coronarography, angioplasty, bypass surgery, stenting, artificial pacemaker placement, as well as plastic surgeries on joints and ligaments, including atroscopic diagnostic and surgical interventions and the like;
20. 20. diagnostic services: consultations, laboratory tests and other activities are not prescribed by the doctor and \ or the Assisting Company as necessary to establish a diagnosis for the purpose of further treatment;
21. 21. carrying out preventive vaccinations;
22. medical examinations and laboratory tests not related to the insured event;
22. insured event;
23. all types of plastic and cosmetic surgeries and procedures, all types of prosthetics, organ transplantation;
23. prosthetics, organ transplantation;
24. 24. dental treatment, except as specified in the insurance contract;
24. 25. physiotherapeutic, rehabilitation treatment and treatment with non-traditional methods;
25. methods;
26. therapeutic recreation, sanatorium-resort and health-improving treatment, as well as spa procedures;
26. 27. purchase or repair of auxiliary aids (such as pacemakers, eyeglasses, contact lenses, hearing aids, inhalers, prostheses, crutches, wheelchairs, measuring devices, bandages, tourniquets, etc.), means for metal osteosynthesis, etc. for metal osteosynthesis (pins, screws, plates, pins and similar materials), purchase of general tonic preparations, hygiene products, baby food;
28. 28. artificial insemination, infertility treatment, measures to prevent pregnancy;
28. pregnancy;
29. treatment of alcoholism, drug addiction, etc., including treatment of withdrawal syndrome;
29. syndrome;
30. medical evacuation, repatriation, burial abroad, rescue operations organised without written agreement;
30. operations are organised without written agreement (consent) with the Assisting company and \ or the Insurer regardless of the amount of expenses;
31. expenses when the trip was made with the intention to receive medical treatment;
32. 32. self-medication, as well as treatment provided by spouses, parents or children;
32. 33. the need for individual care, patronage, protection;
33. 34. expenses for accommodation, food, etc., including during the period of stay on self-isolation, quarantine, observation, etc., as well as during outpatient treatment;
35. 35. for continuation of treatment of the Policyholder (Insured) after his/her return from travelling to the place of permanent or temporary stay (residence), as well as not indemnified for (residence), as well as the expenses covered by social, medical insurance and other security are not indemnified;
35. social, medical insurance and other security;
36. 36. no indemnification shall be provided for expenses exceeding 1000 c.u. of the currency of the sum insured, for which a prior written agreement is required which require prior written agreement (consent) with the The Assisting Company and \ or the Insurer, and such agreement (consent) has not been made;
36. has not been made;
37. purchase of food, drinks, decorative cosmetics, jewellery and the like;
37. similar;
38. moral damage;
39. 39. transport of an urn with ashes of the deceased Policyholder (Insured);
39. 40. other events, services rendered and/or expenses that are not included in the insurance programme selected by the Policyholder or the Insured;
40. insurance programme selected by the Policyholder or occurred before or after the beginning or after the end of the insurance period or not in the territory of the insurance coverage. end of the insurance period or not in the territory of validity of the contract.
- diseases that are not the result of an accident of the Policyholder (Insured person)
(Insured person) (except for tetanus, rabies, encephalitis,
transmitted by tick bites);
- therapeutic recreation, rehabilitation, sanatorium-resort and health-improving treatment, as well as spa procedures treatment, as well as spa procedures;
- an accident that occurred as a result of an illness that is a a mental reaction to military events, internal disturbances, terrorist act, air crash or fears related to such events;
- an accident that occurred as a result of chronic or mental illnesses, even if they manifest themselves periodically. illnesses, even if they occur periodically;
- insurance of persons over the age limit;
- Injuries or illnesses due to an accident that occurred as a result of a road traffic accident;
injuries or illnesses due to an accident resulting from a road traffic accident, including when using a car, bicycle, motorbike, motorbike, moped, hydro and quad bike, hydro scooter, snowmobile, boat, motorboat, etc., if:
1. The Policyholder (Insured person) drove the vehicle without having the appropriate driving licence
1. appropriate driving licence
2. The Policyholder (Insured person) drove the vehicle in a state of alcoholic, narcotic or toxic intoxication
2, narcotic or toxic intoxication, or under the influence of psychotropic and toxic substances; the Policyholder (Insured) has transferred the control of the vehicle to another person who is under the influence of psychotropic and toxic substances the vehicle to another person who did not have the relevant driving licence driving licence;
3. The Policyholder (Insured person) was in the vehicle as a passenger, except for public transport, driving the vehicle as a passenger;
3. a passenger, except for public transport driven by a person, who was in a state of alcoholic, narcotic or toxic intoxication, or under the influence of psychotropic and under the influence of psychotropic and toxic substances;
4. The Policyholder (Insured) has neglected and failed to use the means of safety (protection) both together and under the influence of psychotropic and toxic substances;
4. safety (protection) both together and separately, such as: seat belt, helmet, safety belt, helmet, lifejacket, as well as other safety equipment stipulated by the rules of use of the motor vehicle;
5. events that occurred before the conclusion of the insurance contract or before the commencement of the insurance period, as well as those that have occurred before the commencement of the insurance period
5. events that occurred before the conclusion of the insurance contract or before the commencement of the insurance period, as well as those that occurred after the expiry of the insurance period or not in the territory of validity of the contract;
6. 6. death of the Policyholder (Insured person) which is not the result of an accident;
6. accident;
7. other events and occurrences defined in section 4, chapter 1, Annex 1 to the Offer;
7. Offer The Insurer shall not make insurance payments related to compensation of moral damage
7. damage
Also independent grounds for refusal to make insurance payment are as follows are:
● Intentional acts or omissions of the Policyholder (Insured person), aimed at the occurrence of an insured event, except for actions committed in a state of extreme necessity or necessary self-defence. in a state of extreme necessity or necessary self-defence (without exceeding its
● commission by the Policyholder (Insured person) of a deliberate criminal offence, which has led to the occurrence of a criminal offence criminal offence, which led to the occurrence of the insured event;
● presentation by the Policyholder, the Insured or the person in favour of whom the insurance payment is to be made the Policyholder, Insured or the person in favour of whom the insurance payment is to be made, knowingly submitting false information about the object of insurance insurance object, location of the Policyholder (Insured person) as of the date of conclusion of the insurance contract, or about the fact and The Policyholder (Insured person) as of the date of conclusion of the insurance contract, or about the fact and causes of occurrence of the insured event. The proof of the Policyholder's (Insured person's) location as of the date of conclusion of the insurance contract shall be the relevant crossing marks on the date of the insurance contract. on the date of conclusion of the contract are the relevant border crossing marks in the passport for travelling abroad. passport for travelling abroad;
hindering the Insurer in determining the circumstances, nature and amount of losses;
losses;
● untimely notification of the Insurer of the occurrence of an insured event without a valid reason and / or failure to notify the Insurer of the occurrence of an insured event
● failure to notify the Insurer of the occurrence of the insured event without valid reasons and / or failure of the Policyholder (Insured person) to fulfil failure of the Policyholder (Insured person) to fulfil his/her obligations defined by the contract or legislation, if this has resulted in the Insurer's inability to establish the fact of the insured event inability of the Insurer to establish the fact, causes and circumstances of the occurrence of the insured event or the amount of the caused loss. the insured event or the amount of the caused damage (losses);
● untimely submission of a written application to the Insurer to receive the insurance payment and other documents determined by the contract or legislation. insurance payment and other documents specified in the insurance contract;
failure to fulfil the Insurer's instructions in the process of settlement of the insured event;
● illnesses that are a consequence of mental reaction to military events, internal disturbances, terrorist act, plane crash, natural phenomena or fears related to such events;
chronic, except if such events are stipulated by the terms and conditions of the insurance product;
● chronic, except if such events are stipulated by the conditions of the insurance product
● chronic, except if such events are stipulated by the terms and conditions of the insurance product, and mental illnesses, even if they are detected for the first time or periodically;
● insurance of persons over the age limit or insurance of persons without surcharges;
● performance of any type of physical work by the Policyholder (Insured), engaging in active tourism, sports and extreme sports, if such risks have not been insured and appropriate surcharges have not been applied;
● other cases stipulated by the current legislation of Ukraine.
- therapeutic recreation, rehabilitation, sanatorium-resort and health-improving treatment, as well as spa procedures treatment, as well as spa procedures;
- an accident that occurred as a result of an illness that is a a mental reaction to military events, internal disturbances, terrorist act, air crash or fears related to such events;
- an accident that occurred as a result of chronic or mental illnesses, even if they manifest themselves periodically. illnesses, even if they occur periodically;
- insurance of persons over the age limit;
- Injuries or illnesses due to an accident that occurred as a result of a road traffic accident;
injuries or illnesses due to an accident resulting from a road traffic accident, including when using a car, bicycle, motorbike, motorbike, moped, hydro and quad bike, hydro scooter, snowmobile, boat, motorboat, etc., if:
1. The Policyholder (Insured person) drove the vehicle without having the appropriate driving licence
1. appropriate driving licence
2. The Policyholder (Insured person) drove the vehicle in a state of alcoholic, narcotic or toxic intoxication
2, narcotic or toxic intoxication, or under the influence of psychotropic and toxic substances; the Policyholder (Insured) has transferred the control of the vehicle to another person who is under the influence of psychotropic and toxic substances the vehicle to another person who did not have the relevant driving licence driving licence;
3. The Policyholder (Insured person) was in the vehicle as a passenger, except for public transport, driving the vehicle as a passenger;
3. a passenger, except for public transport driven by a person, who was in a state of alcoholic, narcotic or toxic intoxication, or under the influence of psychotropic and under the influence of psychotropic and toxic substances;
4. The Policyholder (Insured) has neglected and failed to use the means of safety (protection) both together and under the influence of psychotropic and toxic substances;
4. safety (protection) both together and separately, such as: seat belt, helmet, safety belt, helmet, lifejacket, as well as other safety equipment stipulated by the rules of use of the motor vehicle;
5. events that occurred before the conclusion of the insurance contract or before the commencement of the insurance period, as well as those that have occurred before the commencement of the insurance period
5. events that occurred before the conclusion of the insurance contract or before the commencement of the insurance period, as well as those that occurred after the expiry of the insurance period or not in the territory of validity of the contract;
6. 6. death of the Policyholder (Insured person) which is not the result of an accident;
6. accident;
7. other events and occurrences defined in section 4, chapter 1, Annex 1 to the Offer;
7. Offer The Insurer shall not make insurance payments related to compensation of moral damage
7. damage
Also independent grounds for refusal to make insurance payment are as follows are:
● Intentional acts or omissions of the Policyholder (Insured person), aimed at the occurrence of an insured event, except for actions committed in a state of extreme necessity or necessary self-defence. in a state of extreme necessity or necessary self-defence (without exceeding its
● commission by the Policyholder (Insured person) of a deliberate criminal offence, which has led to the occurrence of a criminal offence criminal offence, which led to the occurrence of the insured event;
● presentation by the Policyholder, the Insured or the person in favour of whom the insurance payment is to be made the Policyholder, Insured or the person in favour of whom the insurance payment is to be made, knowingly submitting false information about the object of insurance insurance object, location of the Policyholder (Insured person) as of the date of conclusion of the insurance contract, or about the fact and The Policyholder (Insured person) as of the date of conclusion of the insurance contract, or about the fact and causes of occurrence of the insured event. The proof of the Policyholder's (Insured person's) location as of the date of conclusion of the insurance contract shall be the relevant crossing marks on the date of the insurance contract. on the date of conclusion of the contract are the relevant border crossing marks in the passport for travelling abroad. passport for travelling abroad;
hindering the Insurer in determining the circumstances, nature and amount of losses;
losses;
● untimely notification of the Insurer of the occurrence of an insured event without a valid reason and / or failure to notify the Insurer of the occurrence of an insured event
● failure to notify the Insurer of the occurrence of the insured event without valid reasons and / or failure of the Policyholder (Insured person) to fulfil failure of the Policyholder (Insured person) to fulfil his/her obligations defined by the contract or legislation, if this has resulted in the Insurer's inability to establish the fact of the insured event inability of the Insurer to establish the fact, causes and circumstances of the occurrence of the insured event or the amount of the caused loss. the insured event or the amount of the caused damage (losses);
● untimely submission of a written application to the Insurer to receive the insurance payment and other documents determined by the contract or legislation. insurance payment and other documents specified in the insurance contract;
failure to fulfil the Insurer's instructions in the process of settlement of the insured event;
● illnesses that are a consequence of mental reaction to military events, internal disturbances, terrorist act, plane crash, natural phenomena or fears related to such events;
chronic, except if such events are stipulated by the terms and conditions of the insurance product;
● chronic, except if such events are stipulated by the conditions of the insurance product
● chronic, except if such events are stipulated by the terms and conditions of the insurance product, and mental illnesses, even if they are detected for the first time or periodically;
● insurance of persons over the age limit or insurance of persons without surcharges;
● performance of any type of physical work by the Policyholder (Insured), engaging in active tourism, sports and extreme sports, if such risks have not been insured and appropriate surcharges have not been applied;
● other cases stipulated by the current legislation of Ukraine.
Limits of liability for Class 18 risks:
for the insurance risk ‘emergency dental care’ the limit of liability is provided for insurance payment limit not exceeding 1% of the sum insured
for the insurance risk ‘compensation of the cost of telephone communication services’ the insurance benefit limit is provided for insurance benefit limit not exceeding 100 c.u. of the currency of the sum insured
for the insurance risk ‘ritual services of body burial abroad’ the limit of insurance payment not exceeding 10% of the sum insured
In case of failure to coordinate with the Assisting Company medical expenses in the amount of more than 1000 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. more than 1000 c.u. of the currency of the sum insured
Limits of liability for Class 1 risks:
- temporary loss of general labour capacity by the insured (insured person) the limit of liability is not more than 30%;
- permanent loss of labour capacity, namely the establishment of disability as a result of an accident:
temporary loss of labour capacity, the limit of liability is more than 30% accident:
Group III - 60 per cent; Group II - 75 per cent; Group I - 100%;
- death - 100%
for the insurance risk ‘emergency dental care’ the limit of liability is provided for insurance payment limit not exceeding 1% of the sum insured
for the insurance risk ‘compensation of the cost of telephone communication services’ the insurance benefit limit is provided for insurance benefit limit not exceeding 100 c.u. of the currency of the sum insured
for the insurance risk ‘ritual services of body burial abroad’ the limit of insurance payment not exceeding 10% of the sum insured
In case of failure to coordinate with the Assisting Company medical expenses in the amount of more than 1000 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. more than 1000 c.u. of the currency of the sum insured
Limits of liability for Class 1 risks:
- temporary loss of general labour capacity by the insured (insured person) the limit of liability is not more than 30%;
- permanent loss of labour capacity, namely the establishment of disability as a result of an accident:
temporary loss of labour capacity, the limit of liability is more than 30% accident:
Group III - 60 per cent; Group II - 75 per cent; Group I - 100%;
- death - 100%
Insurance benefit for payment of medical or other services stipulated in the insurance terms and conditions
medical or other services organised by the Insurer for the Policyholder (Insured person)
(Insured person), is performed by the Insurer without participation of the Insured person on the basis of the invoices issued to the Insurer.
invoices issued to the Insurer.
If medical aid to the Policyholder (Insured) was rendered without participation of the Insurer's Assisting Company, the Insurer shall organise the medical aid for the Policyholder (Insured) without participation of the Insured. Assisting company of the Insurer and/or the medical centre refuses to receive a full or partial guarantee from the Insurer. full or partial guarantee from the Assisting company, the Policyholder (Insured person) must (Insured person) should realise such expenses on his/her own and apply to the Insurer for their reimbursement.
In case the Policyholder (Insured person) pays for medical and additional services on his/her own. or additional services, the Policyholder (Insured person) within 30 calendar days from the event that occurred earlier. within 30 calendar days from the event that occurred earlier, namely the end of the journey during which the insured event occurred or the end of the trip. during which the insured event occurred or the expiry of the insurance period, must submit to the Insurer an application for insurance benefit in the form established by the Insurer, which is established by the Insurer, which can be downloaded on the Insurer's website.
The following documents shall be attached to the application for payment of insurance indemnity:
1. insurance contract;
2. duly certified copy of the Policyholder's (Insured person's) foreign passport with a mark of the passport;
2. (Insured person) passport with stamps on crossing the border of the country of stay (all pages with stamps); current copy of the passport of the Policyholder (Insured person). all pages with stamps); current national visa of type D and/or national visa of type C (for Czech Republic). C type visa (for the Czech Republic), or similar visas for other countries, as well as a current employment contract; an invitation and/or a contract for if a minor is insured together with his/her parents. a minor is insured together with the parents, such proof is a national visa type D and/or national visa type C (for the Czech Republic), or similar visa for other countries for one of the parents;
3. another document confirming the crossing of the border for the whole period of validity of the agreement;
3. agreement;
4. duly certified copy of the Policyholder's (Insured person's) national passport;
4. (Insured person) national passport (all pages with stamps) or ID card;
5. 5. duly certified copy of the certificate of assignment of identification number to the Policyholder (Insured person);
5. identification number of the Policyholder (Insured person);
6. 6. duly certified copy of the document confirming the place of registration of the Policyholder (Insured person);
6. registration place of the Policyholder (Insured person) (for ID cards);
6. 7. in case of death of the Policyholder (Insured person) as a result of an accident
7. in case of death of the Policyholder (Insured person) as a result of an accident - duly certified copies of the national passport of the of the Beneficiary and a certificate of assignment of identification number to him/her; copy of the death certificate; original or notarised copy of the inheritance certificate certificate of right to inheritance;
8. in case of making insurance payment to the legal representative (guardian) - duly certified copies of the national passport of the legal representative (guardian) and the certificate of the right to inheritance;
8. legal representative (guardian) - duly certified copies of the national passport of the legal representative (guardian) and the certificate of assignment of the identification number to him/her, birth certificate of the Insured; a document confirming the establishment of guardianship over the Insured. establishment of guardianship over the Insured;
9. bills for telephone calls with the Insurer, on which the telephone number and the cost of each call are indicated;
9. telephone number and the cost of each conversation;
10. 10. a medical document (on a letterhead or with a relevant stamp of a medical institution of the country of travel) about the medical treatment received by the Insurer;
10. a medical document (on a company letterhead or with the appropriate stamp of a medical institution of the country of travelling) about receiving medical assistance During the trip with the following information: patient's name, exact diagnosis, date of medical treatment, duration of treatment the patient's name, exact diagnosis, date of seeking medical assistance, duration of treatment, details of the medical services provided, and details of the medical treatment received. details of the medical services provided, diagnostics, prescribed medicines with indication of their quantity and cost, as well as information about the condition of the Policyholder (Insured). condition of the Policyholder (Insured person) with regard to alcoholic, narcotic or toxic intoxication, narcotic or toxic intoxication;
11. invoices, cheques on payment for medical services and/ or on the purchase of medical medicines;
12. in case of injury or road traffic accident - an official report drawn up in the country of travel;
12. an official report or certificate of the event drawn up in the country of travel, where the following information must be indicated: the officials certifying the fact of the event and their names, the officials certifying the event and their authorisation to do so; addresses and/or telephone numbers of the persons who certified the event; a detailed description of the circumstances of the event and the role of the insured person. description of the circumstances of the event and the role of the Policyholder (Insured) in it; the condition of the Policyholder (Insured) with regard to alcoholic, narcotic or toxic intoxication;
additionally under class 1 (accident insurance) 13. in case of continuing treatment after returning from the trip - a certificate from a medical institution in Ukraine with indication of the name of the Insured (Insured person). medical institution in Ukraine with indication of the Insured's name, diagnosis, date of treatment and duration of treatment, diagnosis, date of treatment and duration of treatment (except for the period of rehabilitation treatment), certified by the medical institution in Ukraine. rehabilitation treatment), signed and stamped by the responsible person (attending physician) and stamped with the signature and seal of the medical centre in Ukraine. (attending physician) and stamp of the medical institution;
14. in case the policyholder (insured person) has been diagnosed with primary disability as a result of an accident;
14. disability as a result of an accident that took place during the trip - a medical and social expert opinion of the medical and social expert centre;
14. conclusion of the medical and social expert commission on the establishment of primary disability of the insured person as a result of an accident that took place during the trip primary disability of the Insured as a result of an accident or its notarised copy;
15. in case of death of the policyholder (insured person) as a result of an accident - duly certified copy of the medical and social expert commission
15. in case of death of the policyholder (insured person) as a result of an accident - duly certified copies of the national passport of the of the beneficiary and a certificate of assignment of his/her identification number (taxpayer card); a copy of the certificate of the beneficiary's national passport and a copy of the taxpayer card a copy of the death certificate; the original or notarised copy of the certificate of the right of inheritance. copy of the certificate of right to inheritance;
Taking into account the circumstances of the occurred event, the Insurer has the right to demand additional documents to confirm the fact and circumstances of occurrence of the insured event, as well as to determine the amount of the insured event. The Insurer has the right to request additional documents to confirm the fact and circumstances of the insured event, as well as to determine the amount of the insurance payment. All documents, except for the application, may be submitted to the Insurer within three years from the date of occurrence of the event. years from the date of occurrence of the event.
Documents shall be submitted to the Insurer in Ukrainian, English, German, Polish or Russian languages. If the documents are drawn up in another language, an official notarised translation of these documents into Ukrainian language shall be provided. Ukrainian language. All documents submitted to the Insurer must be legibly written or typed on letterheads and have signatures of officials with appropriate seals, as well as appropriate seals, as well as the name, address and contact telephone number of the institution (person) that issued them. (person) who issued them. Bills (invoices, invoices) and financial documents, financial documents confirming the fact of payment (cheques, receipts, warrants, etc.) shall be provided in the original. original.
Documents for receiving the insurance payment shall be submitted (sent by mail) directly to the Insurer's office in paper form in the original (except for those for which it is determined that they should be submitted in copies (except for those for which it is determined that they should be submitted in copies). for which it is determined to submit in copies (including notarised copies). All documents, information and evidence shall be provided to the Insurer free of charge. Insurance payments are made non-cash.
Insurance payments to residents of Ukraine shall be made exclusively on the territory of Ukraine in hryvnias. Ukraine in hryvnias. Calculation of insurance payment in hryvnias is carried out according to the exchange rate of the NBU as of the date of occurrence of insured event. NBU exchange rate on the date of occurrence of the insured event.
Insurance payments to non-residents of Ukraine shall be made abroad of Ukraine in the currency of the insured sum. of the sum insured. In case of necessity of recalculation of realised expenses in the currency of the sum insured. In case of necessity to recalculate the expenses incurred in the currency of the sum insured, such recalculation shall be carried out in accordance with NBU exchange rate on the day of occurrence of the event. The insurer, as a tax agent, shall withhold and pay from the sum of from the amount of insurance payment shall withhold and pay the relevant taxes and duties. The decision on insurance payment or refusal of payment shall be made by the Insurer within 20 (twenty) working days from the date of occurrence of the event. 20 (twenty) working days from the day of receipt by the Insurer of all necessary documents submitted in accordance with the procedure stipulated by the Insurer. documents submitted in accordance with the procedure stipulated by the terms and conditions of the contract. The Insurer shall make the insurance payment within 5 (five) banking days after the decision to make the insurance payment has been taken.
The Insurer shall make the insurance payment within 5 (five) banking days after making a decision on the insurance payment. If there are grounds for doubts regarding the validity (legality) of the The Insurer may postpone the decision on payment until the Insurer has received confirmation or refutation of these reasons for a period not exceeding 45 (forty-five) working days.
On refusal to make the insurance payment or decision to postpone the decision to make the insurance payment. The Insurer shall notify the Policyholder (the Insured) in writing of the refusal to make the insurance payment or of the decision to postpone the decision to make the insurance payment. notifies the Policyholder (Insured person, Beneficiary) in writing to the e-mail address specified in the application for insurance payment. address specified in the application for insurance benefit within 5 (five) working days from the moment of making the decision with the statement of the decision. within 5 (five) working days from the moment of decision making with the statement of motivation of the decision or the reasons for refusal. The Insurer shall send the decision by post.
invoices issued to the Insurer.
If medical aid to the Policyholder (Insured) was rendered without participation of the Insurer's Assisting Company, the Insurer shall organise the medical aid for the Policyholder (Insured) without participation of the Insured. Assisting company of the Insurer and/or the medical centre refuses to receive a full or partial guarantee from the Insurer. full or partial guarantee from the Assisting company, the Policyholder (Insured person) must (Insured person) should realise such expenses on his/her own and apply to the Insurer for their reimbursement.
In case the Policyholder (Insured person) pays for medical and additional services on his/her own. or additional services, the Policyholder (Insured person) within 30 calendar days from the event that occurred earlier. within 30 calendar days from the event that occurred earlier, namely the end of the journey during which the insured event occurred or the end of the trip. during which the insured event occurred or the expiry of the insurance period, must submit to the Insurer an application for insurance benefit in the form established by the Insurer, which is established by the Insurer, which can be downloaded on the Insurer's website.
The following documents shall be attached to the application for payment of insurance indemnity:
1. insurance contract;
2. duly certified copy of the Policyholder's (Insured person's) foreign passport with a mark of the passport;
2. (Insured person) passport with stamps on crossing the border of the country of stay (all pages with stamps); current copy of the passport of the Policyholder (Insured person). all pages with stamps); current national visa of type D and/or national visa of type C (for Czech Republic). C type visa (for the Czech Republic), or similar visas for other countries, as well as a current employment contract; an invitation and/or a contract for if a minor is insured together with his/her parents. a minor is insured together with the parents, such proof is a national visa type D and/or national visa type C (for the Czech Republic), or similar visa for other countries for one of the parents;
3. another document confirming the crossing of the border for the whole period of validity of the agreement;
3. agreement;
4. duly certified copy of the Policyholder's (Insured person's) national passport;
4. (Insured person) national passport (all pages with stamps) or ID card;
5. 5. duly certified copy of the certificate of assignment of identification number to the Policyholder (Insured person);
5. identification number of the Policyholder (Insured person);
6. 6. duly certified copy of the document confirming the place of registration of the Policyholder (Insured person);
6. registration place of the Policyholder (Insured person) (for ID cards);
6. 7. in case of death of the Policyholder (Insured person) as a result of an accident
7. in case of death of the Policyholder (Insured person) as a result of an accident - duly certified copies of the national passport of the of the Beneficiary and a certificate of assignment of identification number to him/her; copy of the death certificate; original or notarised copy of the inheritance certificate certificate of right to inheritance;
8. in case of making insurance payment to the legal representative (guardian) - duly certified copies of the national passport of the legal representative (guardian) and the certificate of the right to inheritance;
8. legal representative (guardian) - duly certified copies of the national passport of the legal representative (guardian) and the certificate of assignment of the identification number to him/her, birth certificate of the Insured; a document confirming the establishment of guardianship over the Insured. establishment of guardianship over the Insured;
9. bills for telephone calls with the Insurer, on which the telephone number and the cost of each call are indicated;
9. telephone number and the cost of each conversation;
10. 10. a medical document (on a letterhead or with a relevant stamp of a medical institution of the country of travel) about the medical treatment received by the Insurer;
10. a medical document (on a company letterhead or with the appropriate stamp of a medical institution of the country of travelling) about receiving medical assistance During the trip with the following information: patient's name, exact diagnosis, date of medical treatment, duration of treatment the patient's name, exact diagnosis, date of seeking medical assistance, duration of treatment, details of the medical services provided, and details of the medical treatment received. details of the medical services provided, diagnostics, prescribed medicines with indication of their quantity and cost, as well as information about the condition of the Policyholder (Insured). condition of the Policyholder (Insured person) with regard to alcoholic, narcotic or toxic intoxication, narcotic or toxic intoxication;
11. invoices, cheques on payment for medical services and/ or on the purchase of medical medicines;
12. in case of injury or road traffic accident - an official report drawn up in the country of travel;
12. an official report or certificate of the event drawn up in the country of travel, where the following information must be indicated: the officials certifying the fact of the event and their names, the officials certifying the event and their authorisation to do so; addresses and/or telephone numbers of the persons who certified the event; a detailed description of the circumstances of the event and the role of the insured person. description of the circumstances of the event and the role of the Policyholder (Insured) in it; the condition of the Policyholder (Insured) with regard to alcoholic, narcotic or toxic intoxication;
additionally under class 1 (accident insurance) 13. in case of continuing treatment after returning from the trip - a certificate from a medical institution in Ukraine with indication of the name of the Insured (Insured person). medical institution in Ukraine with indication of the Insured's name, diagnosis, date of treatment and duration of treatment, diagnosis, date of treatment and duration of treatment (except for the period of rehabilitation treatment), certified by the medical institution in Ukraine. rehabilitation treatment), signed and stamped by the responsible person (attending physician) and stamped with the signature and seal of the medical centre in Ukraine. (attending physician) and stamp of the medical institution;
14. in case the policyholder (insured person) has been diagnosed with primary disability as a result of an accident;
14. disability as a result of an accident that took place during the trip - a medical and social expert opinion of the medical and social expert centre;
14. conclusion of the medical and social expert commission on the establishment of primary disability of the insured person as a result of an accident that took place during the trip primary disability of the Insured as a result of an accident or its notarised copy;
15. in case of death of the policyholder (insured person) as a result of an accident - duly certified copy of the medical and social expert commission
15. in case of death of the policyholder (insured person) as a result of an accident - duly certified copies of the national passport of the of the beneficiary and a certificate of assignment of his/her identification number (taxpayer card); a copy of the certificate of the beneficiary's national passport and a copy of the taxpayer card a copy of the death certificate; the original or notarised copy of the certificate of the right of inheritance. copy of the certificate of right to inheritance;
Taking into account the circumstances of the occurred event, the Insurer has the right to demand additional documents to confirm the fact and circumstances of occurrence of the insured event, as well as to determine the amount of the insured event. The Insurer has the right to request additional documents to confirm the fact and circumstances of the insured event, as well as to determine the amount of the insurance payment. All documents, except for the application, may be submitted to the Insurer within three years from the date of occurrence of the event. years from the date of occurrence of the event.
Documents shall be submitted to the Insurer in Ukrainian, English, German, Polish or Russian languages. If the documents are drawn up in another language, an official notarised translation of these documents into Ukrainian language shall be provided. Ukrainian language. All documents submitted to the Insurer must be legibly written or typed on letterheads and have signatures of officials with appropriate seals, as well as appropriate seals, as well as the name, address and contact telephone number of the institution (person) that issued them. (person) who issued them. Bills (invoices, invoices) and financial documents, financial documents confirming the fact of payment (cheques, receipts, warrants, etc.) shall be provided in the original. original.
Documents for receiving the insurance payment shall be submitted (sent by mail) directly to the Insurer's office in paper form in the original (except for those for which it is determined that they should be submitted in copies (except for those for which it is determined that they should be submitted in copies). for which it is determined to submit in copies (including notarised copies). All documents, information and evidence shall be provided to the Insurer free of charge. Insurance payments are made non-cash.
Insurance payments to residents of Ukraine shall be made exclusively on the territory of Ukraine in hryvnias. Ukraine in hryvnias. Calculation of insurance payment in hryvnias is carried out according to the exchange rate of the NBU as of the date of occurrence of insured event. NBU exchange rate on the date of occurrence of the insured event.
Insurance payments to non-residents of Ukraine shall be made abroad of Ukraine in the currency of the insured sum. of the sum insured. In case of necessity of recalculation of realised expenses in the currency of the sum insured. In case of necessity to recalculate the expenses incurred in the currency of the sum insured, such recalculation shall be carried out in accordance with NBU exchange rate on the day of occurrence of the event. The insurer, as a tax agent, shall withhold and pay from the sum of from the amount of insurance payment shall withhold and pay the relevant taxes and duties. The decision on insurance payment or refusal of payment shall be made by the Insurer within 20 (twenty) working days from the date of occurrence of the event. 20 (twenty) working days from the day of receipt by the Insurer of all necessary documents submitted in accordance with the procedure stipulated by the Insurer. documents submitted in accordance with the procedure stipulated by the terms and conditions of the contract. The Insurer shall make the insurance payment within 5 (five) banking days after the decision to make the insurance payment has been taken.
The Insurer shall make the insurance payment within 5 (five) banking days after making a decision on the insurance payment. If there are grounds for doubts regarding the validity (legality) of the The Insurer may postpone the decision on payment until the Insurer has received confirmation or refutation of these reasons for a period not exceeding 45 (forty-five) working days.
On refusal to make the insurance payment or decision to postpone the decision to make the insurance payment. The Insurer shall notify the Policyholder (the Insured) in writing of the refusal to make the insurance payment or of the decision to postpone the decision to make the insurance payment. notifies the Policyholder (Insured person, Beneficiary) in writing to the e-mail address specified in the application for insurance payment. address specified in the application for insurance benefit within 5 (five) working days from the moment of making the decision with the statement of the decision. within 5 (five) working days from the moment of decision making with the statement of motivation of the decision or the reasons for refusal. The Insurer shall send the decision by post.
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.
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.
Effective from 01.11.2024
Valid from 10.06.2024 to 31.10.2024 (inclusive)