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 while travelling abroad :
- payment (compensation) for the cost of ambulance (emergency) services at the place of call,
primary diagnostic measures, medical assistance with the use of medicines necessary for the condition of the patient.
medicines in the amount 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 establish a
diagnosis; medical consultations. The limit of liability is determined in the individual part of the
of the insurance contract;
- payment of 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 wards, food according to the norms,
accepted in this 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 disease, which is confirmed by the relevant medical report, as well as the cost of rapid tests and laboratory tests for COVID-19
medical report, as well as out-patient and in-patient treatment
of the Policyholder (Insured person) on COVID-19;
- 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
insurance;
- 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 adjacent tissues, or jaw trauma sustained
as a result of an accident;
- payment (compensation) for 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 not good.
of the Policyholder (Insured) does not allow him/her to move independently;
- payment (compensation) of expenses for continuing treatment of the Policyholder (Insured) in a hospital for the period of
(Insured person) in a hospital for up to 15 days after the expiry of the insurance contract,
if it is medically necessary;
- organisation and payment of the cost of the complex of services related to transportation and medical support of the Policyholder;
organisation and payment of the cost of the complex of services related to
medical support of the Policyholder (Insured person) who is undergoing inpatient treatment from abroad
medical escort of the Policyholder (Insured person) undergoing inpatient treatment from abroad to the medical institution nearest to the place of his/her permanent residence, if there are medical indications of medical necessity
medical institution nearest to the place of permanent residence if there are medical indications of the need for further
in-patient 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 where he/she died
in the country of the place of death;
- 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.
insured event.
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 while travelling abroad:
- payment (compensation) for the cost of ambulance (emergency) services at the place of call,
primary diagnostic measures, medical assistance with the use of medicines necessary for the condition of the patient.
medicines in the amount 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 establish a
diagnosis; medical consultations. The limit of liability is determined in the individual part of the
of the insurance contract;
- payment of 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 wards, food according to the norms,
accepted in this medical institution;
- payment (reimbursement) for the cost of express testing and laboratory tests for
COVID-19 prescribed by a doctor in case of signs of disease, which is confirmed by the relevant medical report, as well as the cost of rapid tests and laboratory tests for COVID-19
medical report, as well as out-patient and in-patient treatment
of the Policyholder (Insured person) on COVID-19;
- payment (compensation) for 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
insurance;
- 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 adjacent tissues, or jaw trauma sustained
as a result of an accident;
- payment (compensation) for 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) does not allow him/her to move independently;
- payment (compensation) of expenses for continuing treatment of the Policyholder (Insured) in a hospital for the period of
(Insured person) in a hospital for up to 15 days after the expiry of the insurance contract,
if it is medically necessary;
- organisation and payment of the cost of the complex of services related to transportation and medical support of the Policyholder;
organisation and payment of the cost of the complex of services related to
medical support of the Policyholder (Insured person) who is undergoing inpatient treatment from abroad
medical escort of the Policyholder (Insured person) undergoing inpatient treatment from abroad to the medical institution closest to the place of
medical institution nearest to the place of permanent residence if there are medical indications of the need for further
in-patient 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 where he/she died
in the country of the place of death;
- 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.
insured event.
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 while travelling abroad:
- payment (compensation) for 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 necessary for the state of the patient's condition
medicines in the amount 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 in outpatient and polyclinic conditions; examination to the extent necessary to establish a diagnosis; medical consultations.
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 wards, food according to the norms,
accepted in this medical institution;
- payment (reimbursement) of the cost of express testing and laboratory tests for COVID-19 prescribed by a doctor
COVID-19 prescribed by a doctor in case of signs of the disease, which is confirmed by the relevant medical report, as well as the cost of rapid tests and laboratory tests for COVID-19
medical report, as well as out-patient and in-patient treatment
of the Policyholder (Insured person) on COVID-19;
- 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
insurance;
- 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 soft tissues of a tooth and / or illegal tooth.
tooth and/or its adjacent tissues, or jaw trauma resulting from an accident; <
as a result of an accident;
- 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 state of health
of the Policyholder (Insured) does not allow him/her to move independently;
- payment (compensation) of expenses for continuing treatment of the Policyholder (Insured) in a hospital for the period of
(Insured person) in a hospital for a period of up to 15 days after the expiry of the insurance contract,
if it is medically necessary;
- organisation and payment of the cost of the complex of services related to transportation and medical support of the Policyholder
medical accompaniment of the Policyholder (Insured person) undergoing in-patient treatment from abroad
medical escort of the Policyholder (Insured person) undergoing in-patient treatment from abroad to the medical institution nearest to the place of his/her permanent residence, if there are medical indications of medical treatment.
in the presence of medical indications of the need for further
in-patient 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;
in the country of the place of death;
- compensation of the cost of telephone communication services of the Policyholder (Insured person)
or a person representing his (her) interests with the Insurer in relation to the notification of the insured event;
insured event;
- compensation of expenses for carriage of the Policyholder's (Insured person's) car on which the trip and the Insurer's interests were travelled;
the car of the Policyholder (Insured) on which the trip was made and which became unsuitable for further operation due to a sudden technical breakdown of the car.
as a result of a sudden technical breakdown or road traffic accident (RTA) to the nearest place of transport of the Policyholder's (Insured person's) car.
(to the nearest technical service station (STO).
- Compensation of the cost of travelling for the driver and passengers who are the Policyholder and \ or
Insured persons under the terms and conditions of the insurance contract concluded under this Offer to the country of permanent residence, if the car is a passenger car.
country of permanent residence if the passenger car in which they are travelling,
is stolen or damaged as a result of an accident and its further operation is impossible;
- Compensation of expenses for elimination of sudden technical breakdown or damage as a result of a road traffic accident of a passenger car.
of the Policyholder's (Insured person's) passenger car used in the road traffic accident, or the cost of temporary storage in the car as a result of the road traffic accident.
travelling, or the cost of temporary storage in a guarded car park, if it is impossible to repair it;
- compensation of expenses for judicial or out-of-court settlement of the dispute and / or other services (assistance) as a result of engaging a lawyer;
.
services (assistance) as a result of engaging a lawyer and an interpreter to protect the rights of the Policyholder (Insured person)
The Policyholder (Insured person) during administrative processes and court proceedings to protect the rights of the Policyholder (Insured person).
proceedings to protect the rights of the Policyholder (Insured) after a road traffic accident that occurred with his (her) participation.
his (her) participation.
Accident insurance when travelling abroad in Ukraine
includes:
- temporary loss of the policyholder's (insured person's) general labour capacity for not less than 5 days due to an accident or
loss of labour capacity for at least 5 days as a result of an accident or
permanent loss of the policyholder's (insured person's) total labour capacity for at least 5 days as a result of an accident or
permanent loss of the policyholder's (insured person's)
- permanent loss of general labour capacity by the policyholder (insured person)
(establishment of primary disability group I, II or III) as a result of an accident or
- death of the policyholder (insured person) as a result of an accident
Insurance of financial risks includes the fact of incurring losses by the Policyholder (Insured person) due to the impossibility of travelling as a result of the trip.
(Insured person) losses due to the impossibility of travelling due to a sudden, unforeseen and unintentional event that occurred after the conclusion of the contract.
a sudden, unforeseen and unintentional event that has occurred after the conclusion of the insurance contract and before the date of commencement of the trip, and as a result of which the Policyholder (Insured) has suffered losses due to the impossibility to perform the trip
The Policyholder (Insured) has been forced to cancel (cancel the trip) as a result of a sudden, unforeseen and unintended event that occurred after the conclusion of the insurance contract and before the date of commencement of the trip.
was forced to cancel (refuse, cancel) the trip, namely:
- death of the Policyholder (Insured), his/her family member or companion, incl. as a result of hostilities.
incl. as a result of military actions;
- Injury, including as a result of military operations, or sudden illness, including on COVID-19, which is not covered by the insurance policy.
including COVID-19, which require outpatient treatment of the Policyholder (Insured person), or a member of his/her family, or a member of his/her family.
or his/her family member or companion;
- destruction of the real property of the Policyholder (Insured) due to
fire, natural disasters, unlawful acts of third parties or as a result of military actions of the aggressor, as a result of the use of the insured's (Insured's) real estate.
as a result of fire, natural disasters, unlawful actions of third parties or as a result of application of military actions by the aggressor, provided that the property is located not closer than 50 km to the line of combat (to settlements).
(the settlements of the line of engagement include settlements,
settlements located in the territories of active hostilities adjacent to the occupied territory, which are included in the relevant list, which is periodically updated.
included in the relevant list, which is periodically updated by the Ministry of Reintegration);
- failure to obtain (refusal to issue) an entry visa by the Policyholder (Insured person) or any of his/her members.
the Policyholder (Insured) or any of his/her family members or companions travelling together with the Policyholder (Insured person)
travelling together with the Policyholder (Insured);
- delay in issuing a visa to the Policyholder (Insured) or any of his/her family members, or a companion who is travelling together with the Policyholder (Insured);
delay in issuing a visa to the Policyholder (Insured) and any of his/her family members or a companion travelling together with the Policyholder
(Insured person);
- issuance of a visa to the Policyholder (Insured) or a member of his/her family or a companion for a different period of time than that of the Policyholder (Insured).
The Policyholder (Insured) or his/her family member or travelling companion has been granted a visa for a different period of time than the one applied for, as a result of which the previously
the previously booked trip has become impossible;
- kidnapping of travel documents (tickets, tickets for travelling) from the Policyholder (Insured) or his/her family member or companion.
theft of travel documents (tickets), passport, driving licence or other documents from the Policyholder (Insured), or a member of his/her family, or a companion, the absence of which makes it impossible to travel
or other documents, the absence of which does not allow travelling, which has been reported to the Ministry of Internal Affairs within 24 hours; or
within 24 hours;
- malfunctions, machine equipment failure and other unforeseen technical problems with the means of water transport
malfunctions, machine equipment failure and other unforeseen technical malfunctions with the means of water transport (liner, motor ship), the journey (cruise) on which was booked and paid for.
was booked and paid for, which resulted in the cancellation (cancellation) of the trip;
- being late for the flight for the booked trip due to an accident, traffic accident, road traffic accident.
accident, road traffic accident or breakdown of a public transport vehicle (except taxi) on which the traveller is travelling.
The Policyholder (Insured person) travelled to the place of departure of the flight (airport, railway station).
flight departure (airport, railway station);
- delay of the flight departure at the point of departure from Ukraine for more than 4 hours;
- receipt of a message about the Policyholder's (Insured person's) conscription to the
Armed Forces of Ukraine for military/alternative service during mobilisation or for participation in military actions.
mobilisation or for participation in military training camps during the planned trip, of which
the Policyholder (Insured person) was not aware of before the conclusion of the insurance contract and
provided that such a person had the right to travel abroad when booking the trip and
conclusion of the insurance contract.
- Trip cancellation due to a delay of more than a day or cancellation of the flight to the place of the planned trip due to the fault of the airline.
places of the planned trip due to the fault of the air carrier, if it became known about it not more than 24 hours before the time of departure,
24 hours prior to the time of departure, or due to the closure of the country's borders, or due to the introduction of restrictions on departure from the country.
introduction of restrictions on departure from the country, which was not known before the date of execution of the insurance contract.
insurance contract
Baggage insurance includes the fact of incurring by the Policyholder (Insured) of
losses caused by damage, destruction or loss of luggage
The insurance contract shall be concluded with persons under the age of 80, unless otherwise specified in the
Insurance contract, whose trip starts from the territory of Ukraine or the country of
location of the Insured (the Insured person) and from which the trip starts
When insuring persons aged 65 to 80 years, extra charges shall be applied.
The insurance contract in terms of financial risk insurance may be concluded for a period of
not less than 7 calendar days before the date of travel. Insurance cover in terms of
risks associated with obtaining a visa is valid only for residents of Ukraine and subject to the following conditions
timely submission of the full package of necessary documents to the consular office for
for visa issuance, as well as in case the Insured persons have no previous
refusals to issue visas.
Insurance contracts shall not be concluded in respect of the following persons
● individuals aged over 80 years old
● Citizens of the Russian Federation, Belarus, Syria, Iran, North Korea and Myanmar, except
except for those who have a permanent residence permit in Ukraine
● legally recognised as incapacitated;
● not covered by the insurance
● insurance coverage is not valid on the territory of the Insured's permanent place of residence
(the Insured person);
● are not valid in the territory of permanent residence
Russian Federation; Belarus; Syria; Iran; North Korea and Myanmar
The minimum and maximum sum insured under this insurance product may be:
.
For class 18: 30,000 or 50,000 or 75,000 or 100,000 euros/dollars.
.
By class 1: 3,000 or 5,000 or 7,500 or 10,000 euros/dollars
.
By class 7: 500 or 750 or 1,000 or 1,500 or 1,500 or 2,000 euros/dollars
.
For class 16: 150,000 hryvnias
Recalculation of the sum insured in 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 the classes is the sum insured
separately for each of the Insured persons, except for risks of class 16 for which the sum insured is the total sum insured under the insurance contract.
is the total sum insured under the contract.
Upon occurrence of insured events, the sum insured shall be reduced each time by the amount of insurance benefits paid by the Insurer.
payments 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 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).
When choosing the programme A of class 18 and other classes of insurance:
.
The minimum and maximum insurance tariff is 0.014% and 6.868% respectively.
The minimum and maximum insurance premiums are USD 7.58 and EUR 4144.07, which is converted into UAH at the NBU exchange rate on the date of the insurance agreement.
An unconditional deductible may be applied
.
The amount of the unconditional deductible shall be determined in the individual part of the insurance contract
for the class of insurance and/or individual insurance risks within the limits of this or that class of insurance.
The amount of the unconditional deductible is determined in the individual part of the insurance contract.
class of insurance.
Unless otherwise specified in the individual part of the insurance contract, the unconditional deductible shall be determined by the class of insurance and/or individual insured risks within the limits of that or another class of insurance.
deductible:
For the 7th class of insurance is 10%
.
For the 16th class of insurance is 20%
.
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 risks under class 18, 7), including temporarily occupied territories of
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 period of validity 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 of 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:
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 period of insurance cover (term of the contract) and the number of insured days
shall be chosen by the Policyholder independently
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 person) passes through
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.
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 within 24 hours of the return from 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 paragraph, the insurance cover (insurance
coverage) shall take effect 48 hours after the date specified as the beginning of the insurance period
which starts from the next day specified as the beginning of the insurance period. At the same time
medical services in connection with an accident will be provided from the next day of the date specified as the beginning of the insurance period, provided that the accident did not occur
earlier than the date and time of concluding the insurance contract and the day indicated as the beginning of the term, and
subject to 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.
The maximum is 365 days. The minimum number of insured days may be 3.
.
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 days
Maximum - 365 days. Minimum number of insured days may be 3.
Minimum number of insured days may be 3.
For risks of class 7:
For risks of class 7.
The validity of the contract starts from the moment of transfer of the baggage under the carrier's liability,
but not earlier than the date specified in the individual part of the insurance contract as the beginning of the insurance period and payment of the insurance payment.
of the insurance period and payment of the insurance payment. The validity of the contract ends at the moment of
receipt of the luggage from the carrier, but not later than the end of the insurance period.
specified in the individual part of the Offer (taking into account the number of days insured).
Maximum - 30 days. The minimum number of insured days may be 3.
The minimum number of insured days may be 3.
For risks of class 16:
The term of validity of the insurance contract for insurance of financial risks in terms of
impossibility to perform the booked trip (refusal, cancellation) is the period from the
date of conclusion of the insurance contract to the date of commencement of the trip.
The maximum is 180 days. The minimum number of insured days may be 7.
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 co-ordinate 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 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.
