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 with the purpose of
employment or training:
- 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 with the purpose of
employment or training:
- 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 with the purpose of employment or training
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 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.
The Insurer shall not pay and shall not reimburse the cost of treatment and services related to such
diseases and events:
- Treatment of chronic diseases (unless otherwise provided for by the insurance programme chosen by the
Policyholder's chosen insurance programme), 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;
- nervous diseases (except neuritis), neuroses (panic attacks, hysterical states,
depressions, etc.), mental diseases and disorders, and related traumatic injuries;;
- 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 doctor.
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.
of the 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 a telephone recording of a conversation between 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., is not part of 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, and 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;
methods;
- therapeutic holidays, sanatorium-resort 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 travelling 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);
- events and cases defined in section 4, chapter 1, section 4, Annex No.1 to the Offer;
- Other events, services provided and/or expenses that 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 established age limit;
- insurance of persons over the established age limit
- injury or illness due to an accident resulting from a road traffic accident;
- insurance of persons over the age limit.
road traffic accident, including when using a car, bicycle,
motorbike, motorbike, moped, hydro- and quad bike, hydro-scooter, snowmobile, boat, motorboat, etc., if the following are covered
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 person) 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 shall not make insurance payments related to compensation for moral damage
Losses incurred due to the following reasons shall not be indemnified:
- inattention or gross negligence of the Policyholder (Insured person);
- inadequate packing (corking) or sending the luggage in damaged condition
condition;
- special properties or natural qualities of the insured luggage, normal wear and tear,
natural deterioration, mould; electrical or mechanical malfunctions of audio or video equipment, etc.
audio or video equipment, etc.;
- breakage or damage of earthenware, porcelain, glass, musical instruments and other fragile items;
other fragile objects;
- damage caused by acids, paints, aerosols, medicines and any
liquids carried in the luggage;
- other events and cases defined in Section 4, Chapter 1, Annex No.1 to the Offer;
.
- The Insurer shall not make insurance payments related to compensation for moral damage.
The Insurer shall not make insurance payments related to compensation for moral
moral damage.
The Contract shall not apply to:
- fur products, jewellery, printing devices, cinema, photo and video equipment,
laptops, mobile phones, etc. and any accessories thereto;
jewellery, securities, valuables, securities
- jewellery, valuables, securities, cash, bank payment cards and
funds on accounts;
- precious metals, precious and semi-precious stones;
- antique and unique items, works of art and collectibles;
- travel documents, any types of documents, slides, photographs, film copies;
- manuscripts, plans, schemes, drawings, models, business papers;
- any types of prostheses, contact lenses;
- wrist and pocket watches;
- animals, plants and seeds, food;
- motor, motorbike, bicycle, air and water transport means, as well as spare parts for them;
spare parts for them;
- religious items;
- personal hygiene products, decorative cosmetics
.
At the same time, collections are recognised as:
collections - a set of any homogeneous items
- collections - a set of any homogeneous items (stamps, calendars,
stamps, badges, plants, etc.) of scientific, historical, artistic interest, or collected for amateur purposes;
collections - a set of any homogeneous items
collected for amateur purposes;
- unique - one-of-a-kind, exceptional in its qualities or of great rarity products, works of art;
rare items, works of art;
- antique - old items of great artistic or other value;
unique - one-of-a-kind, exceptional in their quality or of great rarity
other value;
- spare parts - any assemblies, parts, parts and accessories to
vehicles, mechanisms, devices of electronic equipment, etc.
The cancellation (cancellation, refusal) of a trip shall not be considered an insured event if:
- Such trip was contraindicated to the Policyholder (Insured person) due to health condition;
health condition;
- the reason for cancellation (cancellation, refusal) of the trip is phobias, any diseases,
including chronic, mental and infectious diseases, organ transplantation,
immunodeficiency state, AIDS, neoplasms acquired by the Policyholder (Insured person) or a family member, or a travel companion.
(Insured) or a family member or a companion before the date of conclusion of the insurance contract, even if they have been discovered for the first time or have manifested themselves for the first time
if they were detected for the first time or manifested periodically;
- the reason for cancellation (cancellation, refusal) of the trip is the events and insured events,
other than those stipulated in the insurance programme;
- the reason for cancellation (cancellation, refusal) of the trip is the stay in self-isolation,
quarantine, observance, etc. without establishing a relevant diagnosis (including COVID19),
which medically requires the measures indicated;
- the events that are the grounds for cancellation (cancellation, refusal) of the trip have occurred before or
on the day of conclusion of the insurance contract with regard to the insurance of financial risks;
- events that are the basis for cancellation (cancellation, refusal) of the trip occurred after
introduction of restrictive measures in Ukraine (e.g. quarantine, state of emergency,
prohibition to travel abroad due to martial law, border closure, flight cancellation, etc.),
which already made it impossible to realise the trip;
- stay of the Policyholder (Insured person) in self-isolation, quarantine,
observance, quarantine, etc. in the country of travel;
- therapeutic holiday, sanatorium-resort and health-improving treatment;
- the documents for obtaining a visa were not submitted in time to the consular office or visa centre;
or visa centre;
- documents were lost through the fault of the Policyholder (Insured person);
- the flight from Ukraine for the booked trip was delayed due to an accident or road accident;
the documents were lost due to the fault of the Insured (Insured person)
due to an accident, road traffic accident or breakdown of the Insured's own or other private vehicle (not the Insured's).
or other private vehicle (not public), on which the Policyholder
(Insured person) travelled to the place of departure;
- untimely notification of the travel agent (tour operator),
carrier or other service provider of the refusal (cancellation, cancellation) of the
travel, in connection with which the incurred losses were not minimised;
- other events and cases defined in Section 4, Chapter 1, Annex 1 to the Offer.
.
- The Insurer shall not make insurance payments related to compensation for moral damage.
The Insurer shall not make insurance payments related to compensation for moral
moral damage.
Also independent grounds for refusal to make insurance payment are:
Intentional actions or inaction of the Policyholder (Insured person) aimed at the occurrence of an 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 determined by law or international customs;
international customs;
committing a deliberate criminal offence by the Policyholder (Insured person), 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 whose favour the insurance payment is to be made
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 the 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
.
limit of insurance payment not exceeding 10% of the sum insured
.
In case of failure to agree with the Assisting Company the medical expenses in the amount exceeding 1000 c.u.
currency of the Sum Insured, the Insurer shall make a payment in the amount not exceeding 1000 u.u. currency of the Sum Insured
.
of the sum insured
Limits of liability for Class 1 risks:
- temporary loss of the policyholder (insured person) of the total labour capability
the limit of liability is not more than 30%;
- permanent loss of labour capacity, namely the establishment of disability due to an accident
III group - 60%;
ІІ group - 75 per cent;
І group - 100 per cent.
- death - 100%
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) 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 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.
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, must 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 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).
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 travel, where the following information must be obligatory
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 medical centre in Ukraine.
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 primary disability;
14.
medical and social expert commission's conclusion on the establishment of the primary disability of the insured person due to
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.
additionally for Class 7 risks:
- list of baggage items that are lost, destroyed or partially damaged with their value;
indication of their value;
- original travel ticket on the basis of which the Policyholder (Insured person) was in the transport vehicle;
was in the vehicle;
- luggage receipt (ticket), confirming the fact of transferring the luggage under the carrier's responsibility;
carrier's responsibility;
- copy of the statement to the carrier about the loss, complete or partial damage of the baggage with the carrier's mark of acceptance of the statement;
a mark of the carrier on acceptance of the application;
- a document confirming the loss, total or partial damage of the baggage (Act of Damage in Carriage in the original
a document confirming the loss, complete or partial damage of the luggage (original Carriage Damage Act) drawn up by a responsible person of the carrier;
carrier;
- a copy of the carrier's decision to recognise the baggage as finally lost (in case of loss of the
baggage) after the search procedure approved by the carrier;
- copy of the carrier's claim commission's decision on refusal to pay compensation
in case of loss, total loss or partial damage of baggage;
copy of the decision of the carrier's claim commission on refusal to pay compensation.
additionally for risks of class 16:
- cheques, receipts evidencing the payment of the cost of services booked for the
travelling;
- documents from the subject of tourism activity or other service provider, which
confirming booking and payment of services for the Policyholder (Insured person),
expenses for which are insured under this contract (contracts, vouchers, tickets, etc.);
- documents confirming penalties due to cancellation of the trip, from the
travel operator, transport companies, consulates, hotels and other organisations whose services were ordered and insured in this contract (contracts, vouchers, tickets, etc.);
organisations whose services were ordered and paid for the insured persons;
documents from the subject of tourism activity
- documents from the subject of tourism activity or other service provider for the
booked trip, on the amount of money returned to the Policyholder (Insured person) as a result of cancellation of the trip;
- in case of cancellation (cancellation, refusal) by the Policyholder (Insured) of the booked trip as a result of injury;
the booked trip due to injury, illness, death of the Policyholder (Insured person) or members of the Policyholder (Insured person).
(Insured person) or his/her family members or companions: an official certificate from a medical institution on the injury (illness, disease, death) of the Policyholder (Insured person) or his/her family members or companions
official certificate from a medical institution about the injury (illness, treatment), medical prescriptions and warnings regarding the trip, copies of documents confirming the family members‘ or companions’ family members' health and safety.
travelling, copies of documents confirming family ties of the Policyholder (Insured) and companions.
(Insured person) and the person due to whose illness the trip is cancelled (if such person
if such person is not the Insured), copies of comprehensive insurance contracts of the companions who
were to perform a joint trip with the Policyholder (Insured);
- in case of cancellation (cancellation, refusal) of the booked trip due to the destruction of
immovable property: documents of title to the property, certificate from competent authorities
depending on the nature of the insured event (law enforcement agencies, Ministry of Emergency Situations, emergency services, housing and communal services, etc.).
emergency services, housing and communal services, seismological service, etc.), which confirm the fact of occurrence of the insured event.
the fact of occurrence of the insured event, as well as the list and description of the destroyed property;
- in case of cancellation of the booked trip due to non-receipt, delay in issuance of an entry visa or denial of entry visa;
.
in case of cancellation of the booked trip due to non-receipt, delay in issuance of entry visa or refusal to enter the country of destination: an official refusal to issue a visa from the
Consular office (if such a document was issued); a certificate of the date of visa issuance;
a copy of the foreign passport with a stamp of refusal to issue a visa; an official letter of refusal (protocol, act) to enter the country of destination with presentation of the original of this
passport;
- in case of cancellation or interruption of the booked trip due to malfunction, failure of
in case of cancellation or interruption of the booked trip due to malfunction, failure of machinery and other unforeseen technical breakdowns of the means of
in case of cancellation or interruption of the booked trip due to malfunction of machinery and other unforeseen technical breakdowns of the means of water transport: official notification and/or certificate of the cruise operator;
- in case of flight delay for the booked journey: a certificate from the
carrier's certificate of delay with the reason for the delay; travel documents; detailed description of the delay; all receipts and receipts for the booked trip.
the delay; all cheques, receipts, invoices justifying the additional expenses of the Insured
- in case of theft of documents, the absence of which does not allow travelling: a copy of the following
a copy of the application to the Ministry of Internal Affairs and an extract from the ERDR on initiation of criminal proceedings;
- in case of cancellation of the booked trip as a result of the Policyholder's (Insured person's) lateness to the flight
(Insured person) to the flight from Ukraine: a certificate from the carrier about the delay with the indication of the reason; travelling documents
indicating the reason; travel documents; certificate of road traffic accident; certificate of accident;
.
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 insurance payment.
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 the event.
occurrence of the event.
Documents shall be submitted to the Insurer in Ukrainian, English, German, Polish or Russian.
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 within 5 (five) banking days after the decision to make the insurance payment has been made.
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.
The Insurer may postpone the decision on payment until confirmation or 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 in writing the Policyholder (Insured person) 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
The Insurer shall notify the Policyholder (Insured person or Beneficiary) to the e-mail address specified in the application for insurance payment within 5 (five) working days from the moment of taking the decision, stating the motivation for the decision or the reasons for refusal,
after which it 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 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.
