life, health, unforeseen losses, expenses or property 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 have found themselves in a difficult situation while travelling abroad for the purpose of
in a difficult situation when travelling abroad with the purpose of employment or training
employment or training:
1. payment (compensation) of the cost of ambulance (emergency) services at the place of call,
carrying out of primary diagnostic measures, provision of medical care with the use of medicines in the necessary for the necessary for the call
medical care with the use of medicines in the amount necessary for the condition of the Policyholder (Insured person);
1.
volume;
2. payment (compensation) for the cost of medical care and treatment services in outpatient and polyclinic centres;
2.
outpatient and polyclinic conditions; examination to the extent necessary to establish a
diagnosis; medical consultations. The limit of liability is determined in the individual
part of the insurance contract;
3. payment of the cost of services related to inpatient treatment, i.e.: consultations with
medical consultations, diagnostics, treatment, emergency surgical intervention, medication, stay in standard wards, medical care, medical treatment, medical treatment, medical care, medical treatment of the patient.
provision, stay in standard type wards, food according to the norms,
accepted in the given medical institution;
4. payment (reimbursement) of the cost of express testing and laboratory tests for COVID-19 prescribed by the doctor;
4.
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;
.
5. payment (compensation) of the cost of medicines intended for emergency treatment,
or reimbursement of expenses in case of independent purchase of medicines prescribed by a doctor from a pharmacy.
medicines. The limit of liability is determined in the individual part of the insurance contract
6. payment (compensation) for the cost of emergency dental care, namely:
dental examination; X-ray examination; extraction or filling of teeth with
with temporary fillings, which are all together or separately due to acute inflammation of the
of the soft tissues of the tooth and/or adjacent tissues, or jaw trauma,
received as a result of an accident;
7. payment (compensation) 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 poor condition.
of the Policyholder (Insured person) does not allow him/her to move independently;
8.
8. payment (compensation) of expenses for continuing treatment of the Policyholder (Insured person) in a hospital for a period of up to 8.
in hospital for up to 15 days after the expiry of the insurance contract,
if it is medically necessary;
9.
9. organisation and payment of the cost of the complex of services related to the transport and
medical support of the Policyholder (Insured person) undergoing inpatient treatment from abroad;
9.
in-patient 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
in-patient treatment;
10. 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;
10.
permanent residence;
11. payment (compensation) of the cost of burial services of the Policyholder's (Insured person's) body in the country where he/she died;
11.
body of the Policyholder (Insured person) in the country of the place of death;
12.
12. compensation of 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;
12.
about the insured event;
Accident insurance when travelling abroad in Ukraine
includes:
- permanent loss of the policyholder's (insured person's) general labour capacity, namely the establishment of primary disability of group I) as a result of an accident, or
namely the establishment of primary disability group I) as a result of an accident or
death of the policyholder (insured person).
- death of the policyholder (insured person) as a result of an accident.
Active Recreation’ option, including insurance cover during sports activities (including winter sports).
including winter sports), riding bicycles, mopeds, quad bikes,
etc., is not provided
The insurance contract shall be concluded with persons under 80 years of age, unless otherwise specified in the insurance contract.
insurance contract, whose trip starts from the territory of Ukraine or the country of location of the Policyholder (Insured person) and from which the journey starts
.
of the Policyholder's (Insured person's) location and from which the journey starts
.
When insuring persons aged 65 to 80 years, surcharges shall be applied.
.
Insurance contracts are not concluded in respect of the following persons:
with physical persons aged over 80 years
.
citizens of the Russian Federation, Belarus, Syria, Iran, North Korea and Myanmar, with the exception of those who have a visa to the Russian Federation.
except for those who have a permanent residence permit in Ukraine.
legally recognised as legally incapable;
insurance coverage is not valid in the territory of the permanent residence of the Policyholder
(Insured person); Russian Federation; Belarus; Syria; Iran; North Korea and Myanmar.
Myanmar.
The minimum and maximum sum insured under this insurance product may be:
.
For class 18: 30,000 euros.
.
Class 1: 3000 euros
Recalculation of the sum insured into hryvnia equivalent is performed 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 the classes is the sum insured
separately for each of the Insured persons.
Upon occurrence of insured events, the sum insured shall be reduced each time by the amount of insurance benefits paid by the Insurer.
benefits paid by the Insurer. If the amount of money paid or claimed for payment reaches the level of the sum insured, the sum insured shall be reduced each time by the amount of insurance benefits paid by the Insurer.
If the sum insured reaches the level of the sum insured specified in the individual part of the insurance contract, the insurance contract shall be terminated.
the insurance contract shall be terminated in full or for individual insurance products.
products.
The limit of liability under class 18, 1 is determined in per cent of the sum insured or in a
The limit of liability under class 18, 1 is determined as a percentage of the sum insured or in a constant amount in U.S. dollars depending on the insured risk and shall be specified in the individual part of the
of the insurance contract, the insurance contract (if applicable).
The minimum and maximum insurance rate is 0.0030% and 0.0364% per day.
respectively.
The minimum and maximum insurance premium is 1 euro per day and 4392 euro per year.
The minimum and maximum amount of the insurance premium is EUR 1 per day and EUR 4392 per year, which is recalculated in UAH according to the NBU exchange rate on the date of conclusion of the insurance contract.
insurance.
Unconditional deductible is not applied
.
If the insurance contract is concluded during the stay abroad less than three days before the beginning of the insurance period - a temporary deductible of 48 hours will apply.
days before the beginning of the insurance period - a temporary deductible of 48 hours will apply, counting from the next day specified as the beginning of the insurance period
.
starts from the next day specified as the beginning of the insurance period
The territory of validity is indicated in the contract as:
.
The geographical zone ‘Europe’ (graphical representation EUROPE or EU). The ‘Europe’ zone
includes all countries of geographical Europe, as well as Algeria, Egypt, Israel, Morocco, Tunisia,
Turkey.
OR
Geographical zone ‘World’ (World or W), which includes all countries of the world.
.
In this case the insurance contract is not valid in the territory of:
Ukraine (for Class 18 risks), including temporarily occupied territories
Ukraine;
countries of permanent residence;
countries where hostilities are taking place;
areas where a state of emergency or threat of natural disaster has been officially declared;
countries under UN supervision or sanction;
countries carrying out armed aggression against Ukraine (including the Russian Federation,
Republic of Belarus, etc.);
on the territory of Iran, North Korea, Myanmar, Syria.
Beginning and expiry of the contract term
.
For Class 18 risks:
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, and
travelling abroad in Ukraine, namely for persons who are on the territory of Ukraine as of the date of the insurance contract.
are on the territory of Ukraine:
1. the insurance contract must be concluded before the beginning of the journey (i.e. before crossing the border of Ukraine)
.
Ukrainian border)
2. the period of insurance cover (term of the contract) and the number of insured days shall be chosen by the Policyholder independently
2.
are chosen by the Policyholder independently
3. the beginning of the insurance period may coincide with the date of conclusion of the insurance contract.
the beginning of the insurance period may coincide with the date of conclusion of the insurance contract or be a later date;
4.
4. insurance cover (insurance coverage) and counting the number of insured days
starts from the moment of passing of the Policyholder (Insured person) through the border control of Ukraine when leaving Ukraine;
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.
of the day indicated as the beginning of the insurance period (according to the date which is later), but not earlier than
the moment of payment of the insurance payment and crossing the border of Ukraine.
5. insurance protection (insurance coverage) ends at the moment of passing of the
The Policyholder (Insured person) passes the border control of Ukraine when returning from abroad or within 24 hours of the return of the Insured (Insured person) to Ukraine.
return from abroad or at 24 hours Kiev time of the day specified as the end of the insurance period with obligatory taking into account the number of travelling abroad.
of the 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 persons who have got into a difficult situation while travelling abroad in Ukraine, and
travelling abroad of Ukraine, namely for persons who are outside Ukraine as of the date of the insurance contract execution.
are outside Ukraine:
1. insurance cover period (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 violation of the term specified in the previous clause, the insurance cover (insurance coverage) will be effective after 48 hours.
The insurance cover (insurance coverage) will be effective 48 hours after the date specified as the beginning of the insurance term.
The countdown of which starts from the date specified as the beginning of the insurance term. In this case
the provision of medical services in connection with the occurrence of an accident will be effected from the date specified as the beginning of the insurance period.
the date specified as the beginning of the insurance period, provided that the accident has not occurred before the date and time of the conclusion of the insurance contract and the date and time of the insurance period.
earlier than the date and time of conclusion of the insurance contract and the day specified as the beginning of the insurance period, and
provided that the insurance premium has been paid;
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 Insurer shall be liable up to the total number of days of stay abroad specified in the contract.
abroad specified in the contract for the insurance period. At each trip abroad
Ukraine the term of insurance cover shall be automatically reduced by the number of days,
spent by the Policyholder (Insured person) in the territory of the contract validity. Beginning of
of the Policyholder's (Insured person's) stay abroad for each separate trip is determined in accordance with the border markings of the border guard.
is determined in accordance with the marks of the Border Guard Service in the passport of the person for foreign trips, or in accordance with the marks of the Border Guard Service in the passport of the person for
foreign trips, or in accordance with the information (letters) of the border guard of the country to which the trip was made or other similar information (letters) of the border guard of the country to which the trip was made.
to which the trip was made or other similar document.
Maximum - 365 days. The minimum number of insured days may be 3
Minimum number of insured days
.
For Class 1 risks:
Beginning and expiry of the term of validity of the contract concluded under the condition of insurance against
accident .
The validity of the insurance contract shall start from the moment when the Policyholder (the Insured
The insurance contract starts from the moment of the Policyholder's (Insured person's) boarding the vehicle at the starting point of the journey indicated in the ticket, etc., but not before the beginning of the insurance period indicated in the individual insurance policy.
earlier than the beginning of the insurance period specified in the individual part of the insurance contract.
and payment of the insurance premium, and ends at the end point of the journey,
specified in the travel service contract or when leaving the vehicle in Ukraine or at the end of the insurance period from the end of the insurance period from the end of the insurance period in Ukraine.
in Ukraine or at the end of the insurance period with mandatory consideration of the number of insured days (as per the date of the insurance contract).
insured days (according to the date that occurred earlier).
The minimum number of insured days can be 3.
The minimum number of insured days can be 3.
The maximum may be 365 days. The minimum number of insured days can be 3.
Exclusions from insured events for Class 18 risks:
The Insurer shall not pay or reimburse the cost of treatment and services related to such
diseases and events:
- treatment of chronic diseases (unless otherwise provided for in the insurance programme selected by the Policyholder), treatment of chronic diseases (unless otherwise provided for in the insurance programme selected 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;
- neoplasms (including oncological diseases), endocrine system diseases,
diabetes mellitus, even if they were detected for the first time;
- Covid-19 testing at the request of the Policyholder (Insured person) without the referral of a treating doctor, if the Policyholder (Insured person) has received a medical certificate from a physician.
without a referral from the attending physician, if the result is negative;
- Acute and chronic radiation sickness;
- Medical assistance during pregnancy (except for ectopic pregnancy) and childbirth, if
the person is not insured under Programme B;
- any health disorders, complications or death due to failure to comply with the
any health disorders, complications or death due to failure to follow the recommendations of the attending physician, side effects of medicines that were not prescribed by the physician, as well as
side effects of nutritional supplements;
- diseases or consequences (complications) of diseases with viral hepatitis,
tuberculosis;
- diseases and disorders of the hearing organs, except for acute diseases of the hearing organs.
Also not covered are expenses related to ear washing (wax plugs,
water ingress, etc.);
- eye diseases related to contact lens care and allergic conjunctivitis.
allergic conjunctivitis;
- fungal and dermatological diseases, as well as allergic dermatitis of any
fungal and dermatological diseases, as well as allergic dermatitis of any origin, sunburns of the first and second degree, unless otherwise provided for in the insurance programme selected by the Policyholder
insect stings, jellyfish stings, seaweed stings;
- Injuries or illnesses occurring before the beginning of the insurance period, on the day or
the day before the conclusion of the insurance contract and/or in the territory of the permanent place of residence, even if they have been discovered
residence, even if they were discovered for the first time, which resulted in medical or
additional expenses during the trip, as well as illnesses that occurred after the return of the Policyholder (Insured) to the place of residence, even if they were discovered for the first time.
Policyholder (Insured) from the trip;
- further treatment of the Policyholder (Insured) if he/she
refuses medical evacuation to the place of permanent residence. The parties have agreed,
that the telephone recording of the conversation of the Policyholder (Insured) or his/her relatives at the
Assisting Company or the Insurer regarding the refusal of medical evacuation
is equal to a written refusal and may be used by the Insurer as evidence in
in case of disputes;
- medical examination, is not the result of acute pain, sudden illness and
bodily injury; provision of services that are not reasonably medically necessary or
medically urgent (including supervisory examinations by a physician; examination of
(including follow-up examinations by a doctor; examination (consultation) by a doctor for which no treatment has been prescribed) or which are not part of the treatment prescribed by the doctor
The provision of special services such as a private room, telephone, television, etc., are not included in the treatment prescribed by the doctor,
telephone, television, etc.;
- services and treatment that 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.
conservative treatment, etc.;
performance of high-tech manipulations
- carrying out high-tech manipulations and operations, in particular, but not exclusively
on heart and vessels, including angiography, coronarography, angioplasty, bypass surgery,
stenting, artificial pacemakers, as well as plastic surgery on joints and ligaments, incl.
plastic surgeries on joints and ligaments, including atroscopic diagnostic and surgical interventions, etc.;
- diagnostic services: consultations, laboratory tests and other measures not
prescribed by a doctor and \ or the Assisting Company as necessary for the establishment of a diagnosis for the purpose of further prescription of treatment;
diagnostic services: consultations, laboratory tests and other activities
for the purpose of further prescription of treatment;
- carrying out preventive vaccinations;
- medical examinations and laboratory tests not related to the insured event;
insured event;
- all types of plastic and cosmetic surgeries and procedures, all types of prosthetics,
organ transplantation;
- dental treatment, except as specified in the insurance programme;
- physiotherapeutic, rehabilitation treatment and treatment with non-traditional methods;
all types of plastic and cosmetic surgeries and procedures
methods;
- therapeutic recreation, sanatorium and health resort treatment, as well as spa procedures;
- 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 (spikes,
screws, screws, plates, plates, pins and similar materials), the purchase of general strengthening
medicines, hygiene products, baby food, unless otherwise stipulated by the terms and conditions of the insurance programme selected by the Policyholder;
- medical evacuation, repatriation, burial abroad, rescue operations
organised without written agreement (consent) with the Assisting Company and \ or the
the Insurer regardless of the amount of expenses;
- expenses when travelling with the intention to receive medical treatment;
- self-treatment, as well as treatment provided by spouses, parents, or children;
children;
- the need for personal care, foster care, security,
- accommodation expenses (except if such grounds are stipulated in the terms and conditions of the insurance), food, etc.
the need for individual care, patronage, protection,
living expenses (except if such grounds are provided for in the insurance terms), food, etc., including during the stay in self-isolation, quarantine,
observation, quarantine, etc., as well as during outpatient treatment;
- continuation of treatment of the Policyholder (Insured person) after his/her
return from the trip to the place of permanent or temporary stay (residence),
unless otherwise provided for by the terms and conditions of the insurance programme chosen by the Policyholder, and
The expenses covered by social, health insurance and other security are not indemnified;
- expenses exceeding 1000 c.u. of the currency of the sum insured shall not be indemnified.
for which a prior written agreement (consent) with the Assisting Company is required
and/ or the Insurer, and such agreement (consent) has not been made;
- purchase of food, drinks, decorative cosmetics, jewellery, etc.;
- moral damage;
- expenses for the purchase of essential items, if the baggage delay took place
up to 6 hours or if the baggage delay took place upon arrival in a country other than the country to which the journey was travelled;
- transport of an urn with ashes of the deceased Policyholder (Insured person);
- Losses (expenses) related to the purchase of tickets for travelling by any means of transport
etc.;
- Losses or expenses have been realised deliberately by the Policyholder (Insured person)
personally or in collusion with a third person;
- Losses related to contractual, economic and criminal liability of the Policyholder (Insured person)
of the Policyholder (Insured) to third parties, as well as losses caused to the environment;
environment;
- damage or losses caused by the Policyholder (Insured) to any type of transport with an engine;
type of transport with an engine;
- harm or losses caused to the family members of the Policyholder (Insured);
fine, penalty or other financial sanctions that are not a direct consequence of the harm caused to the health or property of third parties;
damage or loss caused to the Policyholder's (Insured person's) family members
health or property damage to third parties;
- losses in excess of the amounts and amounts stipulated by the current legislation of Ukraine and / or
the country of temporary stay of the Insured, as well as in excess of the insurance sum specified in the Contract
insurance sum;
- harm or damage caused during participation in sports competitions and in the process of preparation for them;
preparation for them;
- harm or damage related to production, professional activity, physical labour or criminal actions
labour or criminal actions of the Policyholder (Insured person);
- harm or damage arising in connection with a fact, situation, circumstances that
were known to the Policyholder (Insured person) before the commencement of the Insurance contract,
or in relation to which the Policyholder (Insured) was able to foresee
the possibility of filing a claim against the Policyholder (Insured);
- moral damage, as well as damage caused to the image or reputation of third parties.
- events and cases defined in Chapter 1, Section 4, Annex No.1 to the Offer;
- other events, services provided and/or expenses, which are not included in the insurance programme selected by the Policyholder
insurance programme chosen by the Policyholder or occurred before the beginning or after the end of the insurance period
or not in the territory of the contract.
- diseases that are not the result of an accident of the Policyholder (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 consequence of a psychic reaction to military events, internal disturbances, internal
a mental reaction to military events, internal disturbances, terrorist act, air crash or
fears related to such events;
- An accident resulting from chronic or mental 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, including when using a car, bicycle, motorbike,
motorbike, motorbike, moped, hydro- and quad bike, hydro-scooter, snowmobile, boat, motorboat, etc., if:
- The Policyholder (Insured person) drove the vehicle without having the appropriate driving licence
appropriate driving licence
- The Policyholder (Insured person) drove the vehicle in the state of alcoholic, narcotic or toxic intoxication, or under the influence of alcoholic, narcotic or toxic substances.
under the influence of alcoholic, narcotic or toxic intoxication or psychotropic and toxic substances; the Policyholder (Insured) has driven the vehicle under the influence of alcoholic, narcotic or toxic substances.
(Insured person) handed over the control of the vehicle to another person who did not have a driving licence
driver's licence;
- The Policyholder (Insured person) was in the vehicle as a
passenger, except for public transport driven by a person who was driving the vehicle in a state of alcoholic, narcotic
was in a state of alcoholic, narcotic or toxic intoxication, or under the influence of psychotropic and toxic substances.
psychotropic and toxic substances;
- The Policyholder (Insured person) has neglected and failed to use the means of safety
(protection) both together and separately, such as: seat belt, helmet, helmet, life jacket,
as well as other safety equipment stipulated by the rules of use of the vehicle;
- events that occurred before the conclusion of the insurance contract or before the commencement of the insurance period, as well as those that occurred before the insurance period.
events that occurred before the conclusion of the insurance contract or before the beginning of the insurance period, as well as those that occurred after the end of the insurance period or not in the territory of the contract
the territory of validity of the contract;
- death of the Policyholder (Insured person), which is not the result of an accident;
accident;
- other events and cases defined in section 4, chapter 1, Annex No.1 to the Offer
.
The Insurer does not make insurance payments related to compensation for moral damage
.
The following are also independent grounds for refusal to make an insurance payment:
wilful acts or omissions of the Policyholder (Insured person) aimed at the occurrence of the insured event, except for the actions of the Insurer (Insured person).
occurrence of an insured event, except for actions committed in a state of extreme necessity or necessary self-defence (without exceeding the limits of the insurance indemnity).
necessary self-defence (without exceeding its limits) or cases defined by law or
international customs;
committing a deliberate criminal offence by the Policyholder (Insured person), which resulted in a criminal offence.
criminal offence, which resulted in occurrence of the insured event;
presentation by the Policyholder, the Insured or the person in favour of whom the insurance payment should be
submission of knowingly false information about the object of insurance by the Policyholder, the Insured or the person in favour of whom the insurance payment is to be made,
location of the Policyholder (Insured person) as of the date of conclusion of the insurance contract, or about the fact and cause of the insurance payment.
the fact and reasons of occurrence of the insured event. Proof of the location
location of the Policyholder (Insured person) as of the date of conclusion of the contract shall be the following
relevant border crossing marks in the passport for travelling abroad;
hindering the Insurer in determining the circumstances, nature and amount of losses;
untimely notification of the Insurer of the occurrence of the insured event without valid reasons and / or failure to fulfil the Insurer's obligation to notify the Insurer of the insured event without valid reasons
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 their obligations
the Policyholder (Insured person) fails to fulfil his/her obligations defined by the contract or legislation, if this has resulted in the impossibility of the
the Insurer to establish the fact, causes and circumstances of occurrence of the insured event or
the amount of damage (losses) caused;
untimely submission to the Insurer of a written application for insurance payment and other documents specified in the insurance contract;
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
internal disturbances, terrorist act, air 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, and
mental illnesses, even if they are detected for the first time or occur periodically;
insurance of persons above the established age limit or insurance of persons without the application of surcharges;
surcharges;
performance by the Policyholder (Insured) of any type of physical work,
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 currency of the sum insured
for the insurance risk ‘ritual services for burial of the body abroad’ the insurance benefit limit shall not exceed 100 u.u. of the insurance sum currency
.
insurance payment limit not exceeding 10% of the sum insured
Insurance benefit for payment for medical or other services provided for in the insurance terms and conditions
services organised by the Insurer for the Policyholder (Insured),
is performed by the Insurer without participation of the Insured on the basis of invoices issued to the Insurer.
invoices issued to the Insurer.
If medical aid to the Policyholder (Insured) has been rendered without participation of the Insurer's Assisting Company.
Assisting company of the Insurer and/or the medical centre refuses to receive a full or partial guarantee from the Assisting company.
full or partial guarantee from the Assisting company, the Policyholder (Insured person) must pay such expenses himself/herself.
(Insured person) should realise such expenses on his/her own and apply to the Insurer for their
reimbursement.
In case the Policyholder (Insured) pays for medical or additional services on his/her own, the Policyholder (Insured) shall pay for such expenses independently and apply to the Insurer for reimbursement.
additional services, the Policyholder (Insured person) within 30 calendar days from the event that has occurred earlier, namely
the event that has occurred earlier, namely the end of the trip during which the insured event has occurred
or expiry of the insurance period, shall submit to the Insurer an application for the insurance payment in the form prescribed by the Insurer.
insurance payment according to the form 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 the 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).
pages with stamps); current national visa type D and/or national visa type C (for the Czech Republic)
type C (for the Czech Republic), or similar visas for other countries, as well as a current employment contract (contract).
employment agreement (contract); invitation and/or contract of study
If a minor is insured together with his/her parents, such proof is a national visa.
If a minor is insured together with the parents, such proof is a national visa type D and/or a national visa type C (for the Czech Republic) or similar.
C (for the Czech Republic) or a similar visa for other countries for one of the parents;
3. another document confirming the border crossing for the whole period of validity of the 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.
to the Policyholder (Insured person);
6.
6. duly certified copy of the document confirming the place of registration of the Policyholder (Insured person);
6.
of the Policyholder (Insured person) (for ID cards);
6.
7. in case of the Policyholder's (Insured person's) death as a result of an accident -
7.
duly certified copies of the national passport of the Beneficiary and
certificate of assignment of the identification number; copy of the death certificate;
original or notarised copy of the certificate of right to inheritance;
8. in case of making insurance payment to the legal representative (guardian) - duly
duly certified copies of the national passport of the legal representative (guardian) and of the certificate of identification of the legal representative (guardian)
certificate of assignment of the identification number to the legal representative (guardian), the birth certificate of the
of the Insured person; a document confirming the establishment of guardianship over the
the Insured;
9. invoices for telephone calls with the Insurer, on which the telephone number is indicated
and the cost of each call;
10.
10. a medical document (on a letterhead or with a relevant stamp of a medical institution of the country of travelling) about receiving medical assistance;
10.
medical document (on a letterhead or with the appropriate stamp of a medical institution of the country of travelling) about receiving medical assistance during the trip with
the patient's name, exact diagnosis, date of request for medical assistance, duration of treatment, detailed information on the patient's medical treatment, the patient's name, the exact diagnosis, the date of request for medical assistance
the patient's name, the exact diagnosis, the date of seeking medical care, the duration of treatment, details of the medical services provided,
diagnostics, prescribed medicines with indication of their quantity and cost, as well as
also information about the condition of the Policyholder (Insured person) in relation to
alcoholic, narcotic or toxic intoxication;
11. invoices, cheques on payment for medical services and \ or purchase of medical preparations
medicines;
12. in case of injury or road traffic accident - an official report or certificate of medical treatment drawn up in the country of travel;
12.
12. in case of injury or road traffic accident - an official report or certificate of the event drawn up in the country of travelling, which must necessarily contain the following information
The following information must be indicated: officials certifying the fact of the event and their authorisation to perform such actions; addresses; addresses of the persons who are responsible for the event and their
authorisation to do so; addresses and/or telephone numbers of the persons who witnessed the event; and
addresses and/or telephone numbers of the persons who witnessed the event; a detailed description of the circumstances of the event and the Policyholder's (Insured person's) role in it.
(Insured person) in it; the condition of the Policyholder (Insured person) with regard to alcohol, drugs or toxic substances; the circumstances of the event and the Policyholder's (Insured person) role in it
alcoholic, narcotic or toxic intoxication;
additionally under class 1 (accident insurance)
.
13. in case of continuing medical treatment after returning from the trip - a certificate from a medical institution in Ukraine, indicating 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 (except for the period of rehabilitation).
duration of treatment (except for the period of rehabilitation treatment), signed and sealed by the responsible person (treating person),
stamp of the responsible person (attending physician) and the stamp of the medical institution;
14. in case the policyholder (insured person) has been diagnosed with primary disability
as a result of an accident that took place during the trip - the conclusion of the medical and social expert commission on the establishment of the primary disability.
medical and social expert commission's conclusion on the establishment of the primary disability of the Insured as a result of the accident or its notary
accident or a notarised copy thereof;
15.
15. in case of the death of the policyholder (insured person) as a result of an accident -
duly certified copies of the national passport of the beneficiary and the certificate on assignment of the identification number (card) to him/her.
identification number (taxpayer card) assigned to him/her; copy of the death certificate; original or notary's copy of the death certificate; original or notary's copy of the death certificate.
death certificate; original or notarised copy of the certificate of right to inheritance.
Taking into account the circumstances of the event, the Insurer shall have the right to request additional documents to confirm the fact and circumstances of the event.
documents to confirm the fact and circumstances of occurrence of the insured event, as well as to determine the amount of the insurance payment.
to determine the amount of insurance payment.
All documents, except for the application, may be submitted to the Insurer within three years from the date of the event.
All documents, except for the application, may be submitted to the Insurer within three years from the date of
occurrence of the event.
Documents shall be submitted to the Insurer in Ukrainian, English, German, Polish or Russian languages.
Russian languages. If the documents are drawn up in another language, an official notarised translation of these documents shall be provided.
notarised translation of these documents into Ukrainian. All documents that
submitted to the Insurer, must be legibly written or printed on forms and have the signatures of officials with the appropriate
have signatures of officials with appropriate seals, as well as the name, address and contact telephone number of the institution (person), the Insurer.
contact telephone number of the institution (person) that issued them. Bills (invoices, invoices) and
financial documents confirming the fact of payment (cheques, receipts, warrants, etc.) are to be submitted in the original.
are provided in the original.
Documents for insurance payment shall be submitted (sent by post)
directly to the Insurer's office in paper form in the original (except for those for which it is determined to be submitted in copies (in the mail).
except for those 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 shall be made by non-cash payment.
Insurance payments to residents of Ukraine shall be made exclusively on the territory of Ukraine in hryvnias.
hryvnias. Calculation of insurance payment in hryvnias is carried out according to the NBU exchange rate on the date of the insured event.
on the date of occurrence of the insured event.
Insurance payments to non-residents of Ukraine shall be made abroad in the currency of the insured sum.
of the sum insured. In case of necessity to recalculate the expenses incurred in the currency of the sum insured, such recalculation shall be made in the currency of the sum insured.
of the sum insured, such recalculation shall be made in accordance with the NBU exchange rate as of the date of occurrence of the event.
on the date of occurrence of the event. The insurer, as a tax agent, shall withhold and pay from the sum of insurance payment
The insurer as a tax agent shall withhold and pay the relevant taxes and duties from the amount of insurance payment.
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 date of receipt by the Insurer of all necessary documents,
submitted in accordance with the procedure stipulated by the terms and conditions of the contract.
The Insurer shall make the insurance payment within 5 (five) banking days after taking the decision to make the insurance payment.
The Insurer shall make the insurance payment.
If there are grounds for doubts regarding the validity (legality) of the insurance payment
The insurer may postpone the decision on payment until confirmation or refutation of these reasons is received for a period of time not exceeding the term of the insurance payment.
refutation of these reasons for a period not exceeding 45 (forty-five) working days.
On refusal to make the insurance payment or on making a decision on postponement of the decision to make the insurance payment.
The Insurer shall notify the Policyholder (Insured person) in writing of the refusal to make the insurance payment or of the decision to postpone the decision to make the insurance payment.
the Policyholder (Insured, Beneficiary) to the e-mail address specified in the application form
The Insurer shall notify the Policyholder (Insured person) (Beneficiary) in writing to the e-mail address indicated in the application for insurance payment within 5 (five) working days from the moment of making the decision
decision with a statement of motivation of the decision or reasons for refusal,
and then sends the decision by post
Failure to report the occurrence of an insured event in a timely manner without valid reasons
may be an independent ground for refusal of the insurance benefit.
Failure to coordinate expenses (regardless of the amount) with the Assistance Company related to
medical transport of the Policyholder (Insured person), ritualistic
rescue services shall be an independent ground for refusal of the insurance benefit.
In case of failure to agree with the Assisting company on medical expenses for the amount exceeding 1000 u.u.
currency of the Sum Insured, the Insurer shall make a payment in the amount not exceeding 1000 u.u. of the Sum Insured currency.
of the sum insured.
Upon failure to pay the insurance premium in the amount and within the terms specified in the contract, the contract
shall be deemed not concluded and the insurance cover shall not be valid.
The product is not additional to other goods, works or services that are not insurable.
Discounts do not apply to this product and there are no promotional offers.
