unforeseen losses, expenses of the Policyholder (Insured)
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
including COVID-19, which require outpatient treatment of the Policyholder (Insured person), 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 unforeseeable technical
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 of the trip;
- late arrival on the flight for the booked trip due to an accident
accident, road traffic accident or breakdown of a public transport vehicle (except taxi), on which the booked trip is organised
The Policyholder (Insured person) travelled to the place of departure of the flight (airport, railway station).
flight departure (airport, railway station);
- delay of flight departure at the point of departure from Ukraine for more than 4 hours;
- Receipt of a notice of the Policyholder's (Insured person's) enlistment in the Armed forces of Ukraine to serve in 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) 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 travelling out of the country, which was not known before the date of execution of the insurance contract
.
insurance contract
The insurance contract shall be concluded with persons under 80 years of age, unless otherwise specified in the insurance contract.
Insurance contract, whose trip starts from the territory of Ukraine or the country of location of the Policyholder (Insured person) and from which the trip starts.
of the Policyholder's (Insured person's) location and from which the journey begins
When insuring persons aged 65 to 80 years, surcharges shall be applied.
Financial risks insurance contract may be concluded for the period not less than 7
calendar days before the start date of the trip. Insurance cover in terms of risks
related to obtaining a visit are valid only for residents of Ukraine and on condition of
timely submission of a full package of necessary documents to the consular office for visa application, as well as on condition of timely submission of a full package of necessary documents to the consular office for
visa issuance, as well as provided that the Insured persons have not received any previous visa refusals.
refusals to issue visas.
Insurance contracts are not concluded in respect of the following persons:
natural persons over 80 years old
citizens of the Russian Federation, Belarus, Syria, Iran, North Korea and Myanmar, with the exception of those who have a residence permit.
except for those who have a permanent residence permit in Ukraine.
legally recognised as legally incapable;
insurance coverage is not valid in the territory of permanent residence of the Policyholder
(Insured person);
Russian Federation; Belarus; Syria; Iran; North Korea and Myanmar.
The minimum and maximum sum insured under this insurance product may be:
From 1 to 150,000 UAH
.
In case of insurance of several persons, the specified sum insured is the total sum insured under the contract.
contract.
In case of occurrence of insured events, the sum insured shall be reduced each time by the amount of insurance payments 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 each time by the amount of insurance payments 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.
insurance contract - the insurance contract shall be terminated in full or for individual insurance products.
product.
Insurance tariff is 5% of the sum insured.
Insurance tariff is 5% of the sum insured.
The minimum and maximum amount of insurance premium is UAH 0,01 up to and UAH 7500.
The insurance rate is 5% of the sum insured.
UAH.
Unconditional deductible
A unconditional deductible is applied
The amount of the unconditional deductible is 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 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 is 20 per cent
.
deductible is 20 per cent
In case the insurance contract is concluded during the stay abroad less than three days before the beginning of the insurance period - the unconditional deductible will apply.
days before the beginning of the insurance period - a temporary deductible of 48 hours will apply, the countdown of which starts from the next day specified as the beginning of the insurance period.
starts from the next day specified as the beginning of the insurance period.
The territory of validity is indicated in the contract as:
.
The geographical zone ‘Europe’ (graphical representation EUROPE or EU). The ‘Europe’ zone
includes all countries of geographical Europe, as well as Algeria, Egypt, Israel, Morocco, Tunisia,
Turkey.
OR
Geographical zone ‘World’ (World or W), which includes all countries of the world.
.
The insurance contract is not valid on the territory of:
temporarily occupied territories of Ukraine;
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 term of validity of the contract
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.
Maximum - 180 days. The minimum number of insured days may be 7 days
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 detected 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(s);
- 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 person(s)
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 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
There are no limits of liability
The Policyholder (Insured person) within 30 calendar days from the date of occurrence of the insured event that caused the cancellation or interruption of the trip (the date of occurrence of the insured event).
of the insured event that caused cancellation or interruption of the trip (date of
refusal to issue a visa, onset of illness, death, flight delay, failure to receive a visa, etc.), and in case of death of the Policyholder (Insured person).
In case of death of the Policyholder (Insured person) - the Beneficiary within 30 calendar days from the date of acceptance of the insurance contract.
30 calendar days from the date of acceptance of the inheritance, submit to the Insurer an application for realisation of the insurance payment in the form established by the Insurer.
insurance payment according to the form established by the Insurer, which can be downloaded on the Insurer's website.
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 Policyholder's (Insured person's) passport.
(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 person;
- cheques, receipts certifying the payment of the cost of services booked for the trip;
travelling;
- documents from the subject of tourism activity or other service provider, confirming the booking and payment of services for the insured person;
documents from the subject of tourism activity or other service provider
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 booked and cancelled;
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 funds returned to the Policyholder (Insured person) as a result of cancellation of the trip;
- in case of cancellation (cancellation, refusal) by the Policyholder (Insured)
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 about 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 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: certificate from the carrier about the delay with the indication of the reason; travel 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.) shall be provided in the original.
are provided in the original.
Documents for receiving 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.
.
The Policyholder shall be indemnified for that part of his funds, which is included in the sum insured,
which is not returned to him by the suppliers of tourist and other services in accordance with the
penalty rates. The amount of the insurance indemnity may not be higher than the limits indicated
limits specified in the individual part of the contract for individual risks of incurred expenses and
the sum insured as a whole in hryvnias calculated as of the date of conclusion of the insurance contract.
In case of cancellation (cancellation, refusal) of the trip, the amount of the insurance indemnity shall be calculated as follows
as a difference between actually incurred expenses of the Policyholder (Insured person) on
purchase of the travel package, including the cost of travel documents,
prepayment of accommodation costs, etc., and the amount returned by the subject of tourist activity and other service providers.
the amount returned by the subject of tourist activity and other service providers in accordance with the rates of penalties established by the suppliers of tourist activity and other service providers.
penalties established by the suppliers of tourism and other services. From the amount of the insurance indemnity
A deductible of 20 per cent shall be deducted from the insurance indemnity, unless another deductible is specified in the individual part of the insurance contract.
20% deductible is deducted from the insurance indemnity, unless another deductible is specified in the individual part of the insurance contract.
Insurance indemnities shall be paid in non-cash form.
If the Insured persons under the insurance contract are family members - the insurance payment shall be made to the account of one of the adult members of the family.
payment is made to the account of one of the adult members of the family for all persons who did not
travelled on the trip or who interrupted the trip and who were insured under this contract,
irrespective of who paid the expenses for its purchase. If the Insured Persons
persons under one contract are travelling companions and who are not members of the same family,
the insurance benefit shall be paid proportionally to each of the Insured persons who did not depart on the trip or who interrupted the trip.
journey or who interrupted the journey, irrespective of who paid the expenses for its purchase.
purchase.
Insurance payments to the residents of Ukraine are made exclusively on the territory of Ukraine in hryvnias.
hryvnias. If the expenses for the purchase of the trip were made in foreign currency, and in the contract for the purchase of the trip or in the
travel purchase agreement or other similar documents, there is no equivalent of expenses in hryvnias.
equivalent of expenses in hryvnia, the calculation of expenses in hryvnia is carried out according to the exchange rate of the NBU
as of the date of purchase of the trip (conclusion of the travel contract). If information from
information from the supplier of tourist and other services regarding penalties is specified in foreign currency, the calculation of expenses in hryvnia is performed according to the NBU exchange rate on the date of travel purchase (conclusion of the travel contract).
If the information from the supplier of tourist and other services regarding penalties is specified in foreign currency, the calculation of expenses in hryvnia is carried out according to the NBU exchange rate on the date of occurrence of
of the insured event.
Insurance payments to non-residents of Ukraine are made abroad of Ukraine in the currency of the
of the sum insured. If the currency of the sum insured and travel expenses are paid in UAH, the amount of insurance indemnity shall be paid in UAH.
hryvnia, the amount of insurance indemnity is calculated on the basis of the sum insured and the expenses incurred in hryvnias.
expenses incurred in hryvnias and converted into EUR/USD at the NBU exchange rate as of the date of conclusion of the insurance contract and travel purchase contract.
the date of conclusion of the insurance contract and the contract for purchase of tourist services, respectively.
The insurer, as a tax agent, shall withhold and pay the relevant taxes and fees from the amount of insurance payment.
taxes and fees.
The decision on insurance payment or refusal of payment shall be made by the Insurer within 20 (twenty) working days from the date of the insurance contract.
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 the Policyholder (Insured person) in writing of the refusal to make the insurance payment or of the decision to postpone the decision to make the insurance payment.
Policyholder (Insured person) to the e-mail address specified in the application for insurance benefit within 5 (five) working days.
insurance benefit within 5 (five) working days from the moment of taking the decision with
outlining the motivation of the decision taken or justification of the reasons for refusal, after which the Insurer sends the decision by mail.
then sends the decision by post.
Failure to notify of the occurrence of an insured event in a timely manner and failure to notify in a timely manner
the travel service provider without valid reasons may be an independent basis for refusal of the insurance payment.
The failure to timely notify the insured event and late notification of the travel service provider without valid reasons may be an independent ground for refusal of the insurance payment.
.
Upon failure to pay the insurance premium in the amount and within the terms specified in the contract, the contract
shall be deemed not concluded and the insurance cover shall not be valid.
The product is not additional to other goods, works or services that are not insurable.
Discounts do not apply to this product and there are no promotional offers.
