Insurance products for travellers abroad(B2C)

‘Travel insurance for travellers outside Ukraine, contracts for which are concluded on the Insurer's website and on the websites of the Insurer's partners (except Polis.ua) ‘B2C sales’ (using insurance packages)’

‘Summary table of risks for travel insurance in Ukraine with packages ‘Economy’, ‘Economy Plus’, ‘Standard’, ‘Standard Plus’, ‘Active tourism (recreation)’, ‘Active tourism (recreation) Plus’, ‘Full (extended) coverage’, ‘Trip cancellation’ 

 

life, health, ability to work; and/or property in the right of possession, use and disposal of property and/or possible losses or expenses; and/or liability for damage caused to a person or his/her property
Insurance of expenses related to rendering assistance (assistance) to persons who have got into a difficult situation while travelling abroad in Ukraine includes:

1. payment (compensation) for emergency (urgent) aid at the place of call, performance of primary diagnostic measures, provision of medical aid using medicines to the extent necessary for the condition of the Policyholder (Insured person).

2. payment (compensation) of the cost of medical care and treatment services in outpatient and polyclinic conditions; examination to the extent necessary to establish a diagnosis; medical consultations.

3. payment of the cost of services related to inpatient treatment, i.e.: consultations of doctors, diagnostics, treatment, emergency surgical intervention, medication, stay in standard type wards, nutrition according to the norms accepted in the medical institution. The Insurer shall pay the cost of treatment abroad within the limits of its liability (sum insured) established by these insurance terms and conditions only until the state of health of the Policyholder (Insured person), according to the doctor's decision, allows evacuating him/her to the country of permanent residence.

4. payment (compensation) of the cost of express testing and laboratory tests on COVID-19 prescribed by a doctor in case of signs of illness, which is confirmed by a relevant medical report, as well as outpatient and inpatient treatment of the Policyholder (Insured) on COVID
Accident insurance while travelling abroad in Ukraine includes:

- permanent loss of the policyholder's (insured person's) general labour capacity (establishment of primary disability І) as a result of an accident or

- death of the policyholder (insured person) as a result of an accident.
Insurance of expenses related to rendering assistance (assistance) to persons who have got into a difficult situation while travelling abroad in Ukraine includes:

1. payment (compensation) for emergency (urgent) aid at the place of call, performance of primary diagnostic measures, provision of medical aid using medicines to the extent necessary for the condition of the Policyholder (Insured person).

2. payment (compensation) of the cost of medical care and treatment services in outpatient and polyclinic conditions; examination to the extent necessary to establish a diagnosis; medical consultations.

3. payment of the cost of services related to inpatient treatment, i.e.: consultations of doctors, diagnostics, treatment, emergency surgical intervention, medication, stay in standard type wards, nutrition according to the norms accepted in the medical institution. The Insurer shall pay the cost of treatment abroad within the limits of its liability (sum insured) established by these insurance terms and conditions only until the state of health of the Policyholder (Insured person), according to the doctor's decision, allows evacuating him/her to the country of permanent residence.

4. payment (compensation) of the cost of express testing and laboratory tests on COVID-19 prescribed by a doctor in case of signs of illness, which is confirmed by a relevant medical report, as well as outpatient and inpatient treatment of the Policyholder (Insured) on COVID-19.

5. payment (compensation) of the cost of medicines prescribed by a doctor for emergency treatment according to a prescription, or compensation of expenses in case of independent purchase of medicines prescribed by a doctor according to a prescription from a pharmacy.

6. payment (compensation) of 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 resulting from an accident, except for caries treatment.

7. payment (reimbursement) of the cost of transporting the Policyholder (Insured person) by land transport to a medical institution, if the health condition of the Policyholder (Insured person) does not allow to move independently, in particular, but not exclusively in case of injuries, high temperature.

8. payment (compensation) of expenses for continuation of treatment of the Policyholder (Insured) in a hospital for up to 15 days after the expiry of the insurance contract, if it is medically necessary. At the same time, the costs of medical evacuation shall not be covered.

9. organisation (if possible) and payment (compensation) of the cost of the complex of services related to transportation and medical accompaniment of the Policyholder (Insured person) undergoing inpatient treatment from abroad to the medical institution nearest to the place of permanent residence, provided that there are medical indications of the need for further inpatient treatment. The Insurer shall not indemnify the expenses for continuation of treatment and rehabilitation of the Policyholder (Insured) after his/her return to the country of permanent residence. If a doctor authorised by the Insurer considers that evacuation of the Policyholder (Insured) is possible and the Policyholder (Insured) refuses it, the Insurer shall immediately stop paying the cost of treatment services for the Policyholder (Insured).

10. organisation (if possible) and payment of the cost of the complex of services for transportation of the body (repatriation) of the Policyholder (Insured) to the customs border of the country of his/her previous permanent residence, except for transportation of the urn with the ashes of the deceased Policyholder (Insured) after cremation. If local regulations require the body to be transported in a coffin, the Insurer shall organise and pay for the purchase of such a coffin. A prerequisite for organising repatriation is that the relatives of the deceased Policyholder (Insured) submit a written application-confirmation of readiness to take the body after crossing the state border.

11. payment (compensation) of the cost of burial services of the Policyholder's (Insured person's) body in the country of the place of death.

12. compensation of the cost of telephone communication services of the Policyholder (Insured) or a person representing his (her) interests with the Insurer regarding the notification of the insured event.
Accident insurance while travelling abroad in Ukraine includes:

- permanent loss of the policyholder's (insured person's) general labour capacity (establishment of primary disability І) as a result of an accident

- 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) due to impossibility to perform 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, and as a result of which the Policyholder (Insured) was forced to cancel (refuse, cancel) the trip, namely:

1. death of the Policyholder (Insured), his/her family member or companion, incl. as a result of military operations;

2. injury, incl. as a result of military operations, or sudden illness, including COVID-19, which requires outpatient treatment of the Policyholder (Insured) or his/her family member or companion;

3. destruction of the Policyholder's (Insured person's) immovable property as a result of fire, natural disasters, unlawful acts of third parties or as a result of application of military operations by the aggressor, provided that the property is located not closer than 50 kilometres to the line of contact (the settlements of the line of contact include settlements located in the territories of active hostilities adjacent to the occupied territory and included in the relevant list, which is periodically updated).

4. failure (refusal to issue) an entry visa by the Policyholder (Insured) or any of his/her family members or companion travelling together with the Policyholder (Insured);

5. delay in issuing a visa to the Policyholder (Insured) and or any of his/her family members or companion who are travelling together with the Policyholder (Insured);

6. issuance of a visa to the Policyholder (Insured) or his/her family member or companion for a different period of time than applied for, as a result of which the previously booked trip has become impossible;

7. abduction of travel documents (tickets), foreign passport, driving licence or other documents from the Policyholder (Insured) or his/her family member or companion, the absence of which makes it impossible to make the trip, which is reported to the Ministry of Internal Affairs within 24 hours;

8. malfunctions, machine equipment failure and other unforeseen technical malfunctions with the means of water transport (liner, motor ship), the trip (cruise) on which was booked and paid for, which resulted in the cancellation (cancellation) of the trip;

9. lateness of the flight for the booked trip due to an accident, traffic accident or breakdown of a public transport vehicle (except taxi) on which the Policyholder (Insured person) was travelling to the place of departure (airport, railway station);

10. delay of the flight departure at the point of departure from Ukraine for more than 4 hours;

11. Receipt of a message about the Policyholder's (Insured person's) conscription into the Armed Forces of Ukraine for military/alternative service on mobilisation or for participation in military training camps during the planned trip, about which the Policyholder (Insured person) was not aware before the conclusion of the insurance contract and provided that such person had the right to travel abroad when booking the trip and concluding the insurance contract.

12. Cancellation of the trip due to delay of more than 24 hours or cancellation of the flight to the place 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 of the flight, or due to closure of the country's borders, or introduction of restrictions on departure from the country, which was not known before the date of execution of the insurance contract.
Insurance of expenses related to rendering assistance (assistance) to persons who have got into a difficult situation while travelling abroad in Ukraine includes:

1. payment (compensation) for emergency (urgent) aid at the place of call, performance of primary diagnostic measures, provision of medical aid using medicines to the extent necessary for the condition of the Policyholder (Insured person).

2. payment (compensation) of the cost of medical care and treatment services in outpatient and polyclinic conditions; examination to the extent necessary to establish a diagnosis; medical consultations.

3. payment of the cost of services related to inpatient treatment, i.e.: consultations of doctors, diagnostics, treatment, emergency surgical intervention, medication, stay in standard type wards, nutrition according to the norms accepted in the medical institution. The Insurer shall pay the cost of treatment abroad within the limits of its liability (sum insured) established by these insurance terms and conditions only until the state of health of the Policyholder (Insured person), according to the doctor's decision, allows evacuating him/her to the country of permanent residence.

4. payment (compensation) of the cost of express testing and laboratory tests on COVID-19 prescribed by a doctor in case of signs of illness, which is confirmed by a relevant medical report, as well as outpatient and inpatient treatment of the Policyholder (Insured) on COVID-19.

5. payment (compensation) of the cost of medicines prescribed by a doctor for emergency treatment according to a prescription, or compensation of expenses in case of independent purchase of medicines prescribed by a doctor according to a prescription from a pharmacy.

6. payment (compensation) of 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 resulting from an accident, except for caries treatment.

7. payment (reimbursement) of the cost of transporting the Policyholder (Insured person) by land transport to a medical institution, if the health condition of the Policyholder (Insured person) does not allow to move independently, in particular, but not exclusively in case of injuries, high temperature.

8. payment (compensation) of expenses for continuation of treatment of the Policyholder (Insured) in a hospital for up to 15 days after the expiry of the insurance contract, if it is medically necessary. At the same time, the costs of medical evacuation shall not be covered.

9. organisation (if possible) and payment (compensation) of the cost of the complex of services related to transportation and medical accompaniment of the Policyholder (Insured person) undergoing inpatient treatment from abroad to the medical institution nearest to the place of permanent residence, provided that there are medical indications of the need for further inpatient treatment. The Insurer shall not indemnify the expenses for continuation of treatment and rehabilitation of the Policyholder (Insured) after his/her return to the country of permanent residence. If a doctor authorised by the Insurer considers that evacuation of the Policyholder (Insured) is possible and the Policyholder (Insured) refuses it, the Insurer shall immediately stop paying the cost of treatment services for the Policyholder (Insured).

10. organisation (if possible) and payment of the cost of the complex of services for transportation of the body (repatriation) of the Policyholder (Insured) to the customs border of the country of his/her previous permanent residence, except for transportation of the urn with the ashes of the deceased Policyholder (Insured) after cremation. If local regulations require the body to be transported in a coffin, the Insurer shall organise and pay for the purchase of such a coffin. A prerequisite for organising repatriation is that the relatives of the deceased Policyholder (Insured) submit a written application-confirmation of readiness to take the body after crossing the state border.

11. payment (compensation) of the cost of burial services of the Policyholder's (Insured person's) body in the country of the place of death.

12. compensation of the cost of telephone communication services of the Policyholder (Insured) or a person representing his (her) interests with the Insurer regarding the notification of the insured event.

13. compensation of the cost of transportation of the Policyholder (Insured) immediately after the end of in-patient treatment, by economy class to the place of permanent (preferential) residence (place of registration) in Ukraine after the expiry of the insurance contract, if the Policyholder has missed his/her flight due to in-patient treatment. In this case medical evacuation is not covered.

14. compensation of the Policyholder's (Insured person's) expenses for the acquisition of essential items (e.g.: underwear, personal hygiene products (except for decorative cosmetics), glasses, panamas \ hat, etc.), without which one cannot do without, as a result of luggage delay for more than 6 hours from the moment of the Policyholder's (Insured person's) arrival in the country of travel.

15. compensation of the Policyholder's (Insured person's) expenses for execution of lost personal documents (passports) necessary for returning to the country of permanent residence

16. compensation of expenses for the engagement of a lawyer and an interpreter to protect the rights of the Policyholder (Insured) during administrative or judicial proceedings to protect the rights of the Policyholder (Insured) after a road traffic accident that occurred with his (her) participation.
Accident insurance while travelling abroad in Ukraine includes:

- temporary loss of the policyholder's (insured person's) general labour capacity for at least 5 days as a result of an accident or

- permanent loss of the policyholder's (insured person's) general labour capacity (establishment of primary disability of I, II or III group) as a result of an accident or death of the policyholder (insured person) as a result of an accident.
Baggage insurance includes the fact of incurring losses by the Policyholder (Insured) caused by damage, destruction or loss of baggage.
Insurance of expenses related to rendering assistance (assistance) to persons who have got into a difficult situation while travelling abroad in Ukraine includes:

1. payment (compensation) for emergency (urgent) aid at the place of call, performance of primary diagnostic measures, provision of medical aid using medicines to the extent necessary for the condition of the Policyholder (Insured person).

2. payment (compensation) of the cost of medical care and treatment services in outpatient and polyclinic conditions; examination to the extent necessary to establish a diagnosis; medical consultations.

3. payment of the cost of services related to inpatient treatment, i.e.: consultations of doctors, diagnostics, treatment, emergency surgical intervention, medication, stay in standard type wards, nutrition according to the norms accepted in the medical institution. The Insurer shall pay the cost of treatment abroad within the limits of its liability (sum insured) established by these insurance terms and conditions only until the state of health of the Policyholder (Insured person), according to the doctor's decision, allows evacuating him/her to the country of permanent residence.

4. payment (compensation) of the cost of express testing and laboratory tests on COVID-19 prescribed by a doctor in case of signs of illness, which is confirmed by a relevant medical report, as well as outpatient and inpatient treatment of the Policyholder (Insured) on COVID-19.

5. payment (compensation) of the cost of medicines prescribed by a doctor for emergency treatment according to a prescription, or compensation of expenses in case of independent purchase of medicines prescribed by a doctor according to a prescription from a pharmacy.

6. payment (compensation) of 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 resulting from an accident, except for caries treatment.

7. payment (reimbursement) of the cost of transporting the Policyholder (Insured person) by land transport to a medical institution, if the health condition of the Policyholder (Insured person) does not allow to move independently, in particular, but not exclusively in case of injuries, high temperature.

8. payment (compensation) of expenses for continuation of treatment of the Policyholder (Insured) in a hospital for up to 15 days after the expiry of the insurance contract, if it is medically necessary. At the same time, the costs of medical evacuation shall not be covered.

9. organisation (if possible) and payment (compensation) of the cost of the complex of services related to transportation and medical accompaniment of the Policyholder (Insured person) undergoing inpatient treatment from abroad to the medical institution nearest to the place of permanent residence, provided that there are medical indications of the need for further inpatient treatment. The Insurer shall not indemnify the expenses for continuation of treatment and rehabilitation of the Policyholder (Insured) after his/her return to the country of permanent residence. If a doctor authorised by the Insurer considers that evacuation of the Policyholder (Insured) is possible and the Policyholder (Insured) refuses it, the Insurer shall immediately stop paying the cost of treatment services for the Policyholder (Insured).

10. organisation (if possible) and payment of the cost of the complex of services for transportation of the body (repatriation) of the Policyholder (Insured) to the customs border of the country of his/her previous permanent residence, except for transportation of the urn with the ashes of the deceased Policyholder (Insured) after cremation. If local regulations require the body to be transported in a coffin, the Insurer shall organise and pay for the purchase of such a coffin. A prerequisite for organising repatriation is that the relatives of the deceased Policyholder (Insured) submit a written application-confirmation of readiness to take the body after crossing the state border.

11. payment (compensation) of the cost of burial services of the Policyholder's (Insured person's) body in the country of the place of death.

12. compensation of the cost of telephone communication services of the Policyholder (Insured) or a person representing his (her) interests with the Insurer regarding the notification of the insured event.

13. compensation of the cost of transportation of the Policyholder (Insured) immediately after the end of in-patient treatment, by economy class to the place of permanent (preferential) residence (place of registration) in Ukraine after the expiry of the insurance contract, if the Policyholder has missed his/her flight due to in-patient treatment. In this case medical evacuation is not covered.

14. compensation of the Policyholder's (Insured person's) expenses for the acquisition of essential items (e.g.: underwear, personal hygiene products (except for decorative cosmetics), glasses, panamas \ hat, etc.), without which one cannot do without, as a result of luggage delay for more than 6 hours from the moment of the Policyholder's (Insured person's) arrival in the country of travel.

15. compensation of the Policyholder's (Insured person's) expenses for execution of lost personal documents (passports) necessary for returning to the country of permanent residence

16. compensation of expenses for the engagement of a lawyer and an interpreter to protect the rights of the Policyholder (Insured) during administrative or judicial proceedings to protect the rights of the Policyholder (Insured) after a road traffic accident that occurred with his (her) participation.
Accident insurance while travelling abroad in Ukraine includes:

- temporary loss of the policyholder's (insured person's) general labour capacity for at least 5 days as a result of an accident or

- permanent loss of the policyholder's (insured person's) general labour capacity (establishment of primary disability of I, II or III group) as a result of an accident or death of the policyholder (insured person) as a result of an accident.
Baggage insurance includes the fact of incurring losses by the Policyholder (Insured) caused by damage, destruction or loss of baggage.
Insurance of financial risks includes the fact of incurring losses by the Policyholder (Insured) due to impossibility to perform 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, and as a result of which the Policyholder (Insured) was forced to cancel (refuse, cancel) the trip, namely:

1. death of the Policyholder (Insured), his/her family member or companion, incl. as a result of military operations;

2. injury, incl. as a result of military operations, or sudden illness, including COVID-19, which requires outpatient treatment of the Policyholder (Insured) or his/her family member or companion;

3. destruction of the Policyholder's (Insured person's) immovable property as a result of fire, natural disasters, unlawful acts of third parties or as a result of application of military operations by the aggressor, provided that the property is located not closer than 50 kilometres to the line of contact (the settlements of the line of contact include settlements located in the territories of active hostilities adjacent to the occupied territory and included in the relevant list, which is periodically updated).

4. failure (refusal to issue) an entry visa by the Policyholder (Insured) or any of his/her family members or companion travelling together with the Policyholder (Insured);

5. delay in issuing a visa to the Policyholder (Insured) and or any of his/her family members or companion who are travelling together with the Policyholder (Insured);

6. issuance of a visa to the Policyholder (Insured) or his/her family member or companion for a different period of time than applied for, as a result of which the previously booked trip has become impossible;

7. abduction of travel documents (tickets), foreign passport, driving licence or other documents from the Policyholder (Insured) or his/her family member or companion, the absence of which makes it impossible to make the trip, which is reported to the Ministry of Internal Affairs within 24 hours;

8. malfunctions, machine equipment failure and other unforeseen technical malfunctions with the means of water transport (liner, motor ship), the trip (cruise) on which was booked and paid for, which resulted in the cancellation (cancellation) of the trip;

9. lateness of the flight for the booked trip due to an accident, traffic accident or breakdown of a public transport vehicle (except taxi) on which the Policyholder (Insured person) was travelling to the place of departure (airport, railway station);

10. delay of the flight departure at the point of departure from Ukraine for more than 4 hours;

11. Receipt of a message about the Policyholder's (Insured person's) conscription into the Armed Forces of Ukraine for military/alternative service on mobilisation or for participation in military training camps during the planned trip, about which the Policyholder (Insured person) was not aware before the conclusion of the insurance contract and provided that such person had the right to travel abroad when booking the trip and concluding the insurance contract.

12. Cancellation of the trip due to delay of more than 24 hours or cancellation of the flight to the place 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 of the flight, or due to closure of the country's borders, or introduction of restrictions on departure from the country, which was not known before the date of execution of the insurance contract.
Insurance of expenses related to rendering assistance (assistance) to persons who have got into a difficult situation while travelling abroad in Ukraine includes:

1. payment (compensation) for emergency (urgent) aid at the place of call, performance of primary diagnostic measures, provision of medical aid using medicines to the extent necessary for the condition of the Policyholder (Insured person).

2. payment (compensation) of the cost of medical care and treatment services in outpatient and polyclinic conditions; examination to the extent necessary to establish a diagnosis; medical consultations.

3. payment of the cost of services related to inpatient treatment, i.e.: consultations of doctors, diagnostics, treatment, emergency surgical intervention, medication, stay in standard type wards, nutrition according to the norms accepted in the medical institution. The Insurer shall pay the cost of treatment abroad within the limits of its liability (sum insured) established by these insurance terms and conditions only until the state of health of the Policyholder (Insured person), according to the doctor's decision, allows evacuating him/her to the country of permanent residence.

4. payment (compensation) of the cost of express testing and laboratory tests on COVID-19 prescribed by a doctor in case of signs of illness, which is confirmed by a relevant medical report, as well as outpatient and inpatient treatment of the Policyholder (Insured) on COVID-19.

5. payment (compensation) of the cost of medicines prescribed by a doctor for emergency treatment according to a prescription, or compensation of expenses in case of independent purchase of medicines prescribed by a doctor according to a prescription from a pharmacy.

6. payment (compensation) of 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 resulting from an accident, except for caries treatment.

7. payment (reimbursement) of the cost of transporting the Policyholder (Insured person) by land transport to a medical institution, if the health condition of the Policyholder (Insured person) does not allow to move independently, in particular, but not exclusively in case of injuries, high temperature.

8. payment (compensation) of expenses for continuation of treatment of the Policyholder (Insured) in a hospital for up to 15 days after the expiry of the insurance contract, if it is medically necessary. At the same time, the costs of medical evacuation shall not be covered.

9. organisation (if possible) and payment (compensation) of the cost of the complex of services related to transportation and medical accompaniment of the Policyholder (Insured person) undergoing inpatient treatment from abroad to the medical institution nearest to the place of permanent residence, provided that there are medical indications of the need for further inpatient treatment. The Insurer shall not indemnify the expenses for continuation of treatment and rehabilitation of the Policyholder (Insured) after his/her return to the country of permanent residence. If a doctor authorised by the Insurer considers that evacuation of the Policyholder (Insured) is possible and the Policyholder (Insured) refuses it, the Insurer shall immediately stop paying the cost of treatment services for the Policyholder (Insured).

10. organisation (if possible) and payment of the cost of the complex of services for transportation of the body (repatriation) of the Policyholder (Insured) to the customs border of the country of his/her previous permanent residence, except for transportation of the urn with the ashes of the deceased Policyholder (Insured) after cremation. If local regulations require the body to be transported in a coffin, the Insurer shall organise and pay for the purchase of such a coffin. A prerequisite for organising repatriation is that the relatives of the deceased Policyholder (Insured) submit a written application-confirmation of readiness to take the body after crossing the state border.

11. payment (compensation) of the cost of burial services of the Policyholder's (Insured person's) body in the country of the place of death.

12. compensation of the cost of telephone communication services of the Policyholder (Insured) or a person representing his (her) interests with the Insurer regarding the notification of the insured event.

13. compensation of the cost of transportation of the Policyholder (Insured) immediately after the end of in-patient treatment, by economy class to the place of permanent (preferential) residence (place of registration) in Ukraine after the expiry of the insurance contract, if the Policyholder has missed his/her flight due to in-patient treatment. In this case medical evacuation is not covered.

14. compensation of the Policyholder's (Insured person's) living expenses abroad after the expiry of the contract, if his/her return to the country of permanent (preferential) residence or the country of place of registration is impossible immediately after discharge from the hospital.

15. compensation of hotel accommodation expenses for one companion of the Policyholder (Insured person) abroad for a period not exceeding 5 days, if the Policyholder (Insured person) is on in-patient treatment after the expiry of the term of the insurance contract

16. compensation for the cost of round-trip economy class travel for one of the adult close relatives of the Policyholder (Insured), if the duration of treatment of the Policyholder (Insured) in a hospital in the country of temporary stay exceeds 5 days.

17. compensation of the cost of hotel accommodation for up to 5 days for one of the adult close relatives of the Policyholder (Insured), if the duration of treatment of the Policyholder (Insured) in a hospital in the country of temporary stay exceeds 5 days.

18. compensation of expenses for early return by economy class to the country of permanent (preferential) residence (place of registration), if necessary, accompanying the Policyholder's (Insured person's) children under 16 years of age in case of hospitalisation or death of the Policyholder (Insured person) at the place of temporary stay.

19. compensation of the cost of economy class travel to the country of permanent residence of one companion of the Policyholder (Insured) in case of his/her hospitalisation or death.

20. payment of expenses for search and rescue of the Policyholder (Insured) as a result of an accident in mountains, at sea, in the forest or other remote areas, including expenses for transportation, including by helicopter (if possible and available), from the place of accident to a medical institution, provided that civil services and organisations are allowed to reach such places

21. Payment of the cost of hyperbaric therapy (baro-chamber);

22. Compensation for the cost of fixation means prescribed by a doctor for injuries. The means of fixation within the limits of this paragraph include only crutches, orthoses, bandages and tunics;

23. payment (compensation) for the cost of emergency medical care provided for injuries or illnesses resulting from terrorist acts and natural disasters, including posthumous repatriation.

24. payment (compensation) of the cost of medical care for sunburns, allergic dermatitis of any origin;

25. compensation of expenses for judicial or out-of-court dispute resolution and/or other services (assistance) as a result of harm to life and health of third parties caused as a result of unintentional and careless actions of the Policyholder (Insured). The existence of intent (guilt) shall be established in accordance with the legislation of the country of travel and confirmed by relevant decisions of law enforcement and/ or judicial authorities.

26. compensation of expenses for judicial or out-of-court dispute resolution and/or other services (assistance) due to damage to the property of third parties, caused as a result of unintentional and careless actions of the Policyholder (Insured person). The presence of intent (guilt) shall be established in accordance with the legislation of the country of travel and confirmed by relevant decisions of law enforcement and \ or judicial authorities.

27. compensation of expenses for judicial or out-of-court dispute settlement and/or other services (assistance) due to damage caused to the rental service provider as a result of unintentional damage to the sports equipment rented by the Policyholder (Insured). The existence of intent (guilt) shall be established in accordance with the legislation of the country of travel and confirmed by relevant decisions of law enforcement and \ or judicial authorities.

28. compensation of expenses for judicial or out-of-court dispute resolution and/or other services (assistance) as a result of engagement of a lawyer and interpreter to protect the rights of the Policyholder (Insured) during administrative processes in connection with the occurrence of risks provided for in clauses 25-28.

29. option ‘active tourism’.
Accident insurance while travelling abroad in Ukraine includes:

- temporary loss of the policyholder's (insured person's) general labour capacity for at least 5 days as a result of an accident or

- permanent loss of the policyholder's (insured person's) general labour capacity (establishment of primary disability of I, II or III group) as a result of an accident or death of the policyholder (insured person) as a result of an accident.
Insurance of expenses related to rendering assistance (assistance) to persons who have got into a difficult situation while travelling abroad in Ukraine includes:

1. payment (compensation) for emergency (urgent) aid at the place of call, performance of primary diagnostic measures, provision of medical aid using medicines to the extent necessary for the condition of the Policyholder (Insured person).

2. payment (compensation) of the cost of medical care and treatment services in outpatient and polyclinic conditions; examination to the extent necessary to establish a diagnosis; medical consultations.

3. payment of the cost of services related to inpatient treatment, i.e.: consultations of doctors, diagnostics, treatment, emergency surgical intervention, medication, stay in standard type wards, nutrition according to the norms accepted in the medical institution. The Insurer shall pay the cost of treatment abroad within the limits of its liability (sum insured) established by these insurance terms and conditions only until the state of health of the Policyholder (Insured person), according to the doctor's decision, allows evacuating him/her to the country of permanent residence.

4. payment (compensation) of the cost of express testing and laboratory tests on COVID-19 prescribed by a doctor in case of signs of illness, which is confirmed by a relevant medical report, as well as outpatient and inpatient treatment of the Policyholder (Insured) on COVID-19.

5. payment (compensation) of the cost of medicines prescribed by a doctor for emergency treatment according to a prescription, or compensation of expenses in case of independent purchase of medicines prescribed by a doctor according to a prescription from a pharmacy.

6. payment (compensation) of 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 resulting from an accident, except for caries treatment.

7. payment (reimbursement) of the cost of transporting the Policyholder (Insured person) by land transport to a medical institution, if the health condition of the Policyholder (Insured person) does not allow to move independently, in particular, but not exclusively in case of injuries, high temperature.

8. payment (compensation) of expenses for continuation of treatment of the Policyholder (Insured) in a hospital for up to 15 days after the expiry of the insurance contract, if it is medically necessary. At the same time, the costs of medical evacuation shall not be covered.

9. organisation (if possible) and payment (compensation) of the cost of the complex of services related to transportation and medical accompaniment of the Policyholder (Insured person) undergoing inpatient treatment from abroad to the medical institution nearest to the place of permanent residence, provided that there are medical indications of the need for further inpatient treatment. The Insurer shall not indemnify the expenses for continuation of treatment and rehabilitation of the Policyholder (Insured) after his/her return to the country of permanent residence. If a doctor authorised by the Insurer considers that evacuation of the Policyholder (Insured) is possible and the Policyholder (Insured) refuses it, the Insurer shall immediately stop paying the cost of treatment services for the Policyholder (Insured).

10. organisation (if possible) and payment of the cost of the complex of services for transportation of the body (repatriation) of the Policyholder (Insured) to the customs border of the country of his/her previous permanent residence, except for transportation of the urn with the ashes of the deceased Policyholder (Insured) after cremation. If local regulations require the body to be transported in a coffin, the Insurer shall organise and pay for the purchase of such a coffin. A prerequisite for organising repatriation is that the relatives of the deceased Policyholder (Insured) submit a written application-confirmation of readiness to take the body after crossing the state border.

11. payment (compensation) of the cost of burial services of the Policyholder's (Insured person's) body in the country of the place of death.

12. compensation of the cost of telephone communication services of the Policyholder (Insured) or a person representing his (her) interests with the Insurer regarding the notification of the insured event.

13. compensation of the cost of transportation of the Policyholder (Insured) immediately after the end of in-patient treatment, by economy class to the place of permanent (preferential) residence (place of registration) in Ukraine after the expiry of the insurance contract, if the Policyholder has missed his/her flight due to in-patient treatment. In this case medical evacuation is not covered.

14. compensation of the Policyholder's (Insured person's) living expenses abroad after the expiry of the contract, if his/her return to the country of permanent (preferential) residence or the country of place of registration is impossible immediately after discharge from the hospital.

15. compensation of hotel accommodation expenses for one companion of the Policyholder (Insured person) abroad for a period not exceeding 5 days, if the Policyholder (Insured person) is on in-patient treatment after the expiry of the term of the insurance contract

16. compensation for the cost of round-trip economy class travel for one of the adult close relatives of the Policyholder (Insured), if the duration of treatment of the Policyholder (Insured) in a hospital in the country of temporary stay exceeds 5 days.

17. compensation of the cost of hotel accommodation for up to 5 days for one of the adult close relatives of the Policyholder (Insured), if the duration of treatment of the Policyholder (Insured) in a hospital in the country of temporary stay exceeds 5 days.

18. compensation of expenses for early return by economy class to the country of permanent (preferential) residence (place of registration), if necessary, accompanying the Policyholder's (Insured person's) children under 16 years of age in case of hospitalisation or death of the Policyholder (Insured person) at the place of temporary stay.

19. compensation of the cost of economy class travel to the country of permanent residence of one companion of the Policyholder (Insured) in case of his/her hospitalisation or death.

20. payment of expenses for search and rescue of the Policyholder (Insured) as a result of an accident in mountains, at sea, in the forest or other remote areas, including expenses for transportation, including by helicopter (if possible and available), from the place of accident to a medical institution, provided that civil services and organisations are allowed to reach such places

21. Payment of the cost of hyperbaric therapy (baro-chamber);

22. Compensation for the cost of fixation means prescribed by a doctor for injuries. The means of fixation within the limits of this paragraph include only crutches, orthoses, bandages and tunics;

23. payment (compensation) for the cost of emergency medical care provided for injuries or illnesses resulting from terrorist acts and natural disasters, including posthumous repatriation.

24. payment (compensation) of the cost of medical care for sunburns, allergic dermatitis of any origin;

25. compensation of expenses for judicial or out-of-court dispute resolution and/or other services (assistance) as a result of harm to life and health of third parties caused as a result of unintentional and careless actions of the Policyholder (Insured). The existence of intent (guilt) shall be established in accordance with the legislation of the country of travel and confirmed by relevant decisions of law enforcement and/ or judicial authorities.

26. compensation of expenses for judicial or out-of-court dispute resolution and/or other services (assistance) due to damage to the property of third parties, caused as a result of unintentional and careless actions of the Policyholder (Insured person). The presence of intent (guilt) shall be established in accordance with the legislation of the country of travel and confirmed by relevant decisions of law enforcement and \ or judicial authorities.

27. compensation of expenses for judicial or out-of-court dispute settlement and/or other services (assistance) due to damage caused to the rental service provider as a result of unintentional damage to the sports equipment rented by the Policyholder (Insured). The existence of intent (guilt) shall be established in accordance with the legislation of the country of travel and confirmed by relevant decisions of law enforcement and \ or judicial authorities.

28. compensation of expenses for judicial or out-of-court dispute resolution and/or other services (assistance) as a result of engagement of a lawyer and interpreter to protect the rights of the Policyholder (Insured) during administrative processes in connection with the occurrence of risks provided for in clauses 25-28.

29. option ‘active tourism’.
Accident insurance while travelling abroad in Ukraine includes:

- temporary loss of the policyholder's (insured person's) general labour capacity for at least 5 days as a result of an accident or

- permanent loss of the policyholder's (insured person's) general labour capacity (establishment of primary disability of I, II or III group) 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) due to impossibility to perform 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, and as a result of which the Policyholder (Insured) was forced to cancel (refuse, cancel) the trip, namely:

1. death of the Policyholder (Insured), his/her family member or companion, incl. as a result of military operations;

2. injury, incl. as a result of military operations, or sudden illness, including COVID-19, which requires outpatient treatment of the Policyholder (Insured) or his/her family member or companion;

3. destruction of the Policyholder's (Insured person's) immovable property as a result of fire, natural disasters, unlawful acts of third parties or as a result of application of military operations by the aggressor, provided that the property is located not closer than 50 kilometres to the line of contact (the settlements of the line of contact include settlements located in the territories of active hostilities adjacent to the occupied territory and included in the relevant list, which is periodically updated).

4. failure (refusal to issue) an entry visa by the Policyholder (Insured) or any of his/her family members or companion travelling together with the Policyholder (Insured);

5. delay in issuing a visa to the Policyholder (Insured) and or any of his/her family members or companion who are travelling together with the Policyholder (Insured);

6. issuance of a visa to the Policyholder (Insured) or his/her family member or companion for a different period of time than applied for, as a result of which the previously booked trip has become impossible;

7. abduction of travel documents (tickets), foreign passport, driving licence or other documents from the Policyholder (Insured) or his/her family member or companion, the absence of which makes it impossible to make the trip, which is reported to the Ministry of Internal Affairs within 24 hours;

8. malfunctions, machine equipment failure and other unforeseen technical malfunctions with the means of water transport (liner, motor ship), the trip (cruise) on which was booked and paid for, which resulted in the cancellation (cancellation) of the trip;

9. lateness of the flight for the booked trip due to an accident, traffic accident or breakdown of a public transport vehicle (except taxi) on which the Policyholder (Insured person) was travelling to the place of departure (airport, railway station);

10. delay of the flight departure at the point of departure from Ukraine for more than 4 hours;

11. Receipt of a message about the Policyholder's (Insured person's) conscription into the Armed Forces of Ukraine for military/alternative service on mobilisation or for participation in military training camps during the planned trip, about which the Policyholder (Insured person) was not aware before the conclusion of the insurance contract and provided that such person had the right to travel abroad when booking the trip and concluding the insurance contract.

12. Cancellation of the trip due to delay of more than 24 hours or cancellation of the flight to the place 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 of the flight, or due to closure of the country's borders, or introduction of restrictions on departure from the country, which was not known before the date of execution of the insurance contract.
Insurance of expenses related to rendering assistance (assistance) to persons who have got into a difficult situation while travelling abroad in Ukraine includes:

1. payment (compensation) for emergency (urgent) aid at the place of call, performance of primary diagnostic measures, provision of medical aid using medicines to the extent necessary for the condition of the Policyholder (Insured person).

2. payment (compensation) of the cost of medical care and treatment services in outpatient and polyclinic conditions; examination to the extent necessary to establish a diagnosis; medical consultations.

3. payment of the cost of services related to inpatient treatment, i.e.: consultations of doctors, diagnostics, treatment, emergency surgical intervention, medication, stay in standard type wards, nutrition according to the norms accepted in the medical institution. The Insurer shall pay the cost of treatment abroad within the limits of its liability (sum insured) established by these insurance terms and conditions only until the state of health of the Policyholder (Insured person), according to the doctor's decision, allows evacuating him/her to the country of permanent residence.

4. payment (compensation) of the cost of express testing and laboratory tests on COVID-19 prescribed by a doctor in case of signs of illness, which is confirmed by a relevant medical report, as well as outpatient and inpatient treatment of the Policyholder (Insured) on COVID-19.

5. payment (compensation) of the cost of medicines prescribed by a doctor for emergency treatment according to a prescription, or compensation of expenses in case of independent purchase of medicines prescribed by a doctor according to a prescription from a pharmacy.

6. payment (compensation) of 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 resulting from an accident, except for caries treatment.

7. payment (reimbursement) of the cost of transporting the Policyholder (Insured person) by land transport to a medical institution, if the health condition of the Policyholder (Insured person) does not allow to move independently, in particular, but not exclusively in case of injuries, high temperature.

8. payment (compensation) of expenses for continuation of treatment of the Policyholder (Insured) in a hospital for up to 15 days after the expiry of the insurance contract, if it is medically necessary. At the same time, the costs of medical evacuation shall not be covered.

9. organisation (if possible) and payment (compensation) of the cost of the complex of services related to transportation and medical accompaniment of the Policyholder (Insured person) undergoing inpatient treatment from abroad to the medical institution nearest to the place of permanent residence, provided that there are medical indications of the need for further inpatient treatment. The Insurer shall not indemnify the expenses for continuation of treatment and rehabilitation of the Policyholder (Insured) after his/her return to the country of permanent residence. If a doctor authorised by the Insurer considers that evacuation of the Policyholder (Insured) is possible and the Policyholder (Insured) refuses it, the Insurer shall immediately stop paying the cost of treatment services for the Policyholder (Insured).

10. organisation (if possible) and payment of the cost of the complex of services for transportation of the body (repatriation) of the Policyholder (Insured) to the customs border of the country of his/her previous permanent residence, except for transportation of the urn with the ashes of the deceased Policyholder (Insured) after cremation. If local regulations require the body to be transported in a coffin, the Insurer shall organise and pay for the purchase of such a coffin. A prerequisite for organising repatriation is that the relatives of the deceased Policyholder (Insured) submit a written application-confirmation of readiness to take the body after crossing the state border.

11. payment (compensation) of the cost of burial services of the Policyholder's (Insured person's) body in the country of the place of death.

12. compensation of the cost of telephone communication services of the Policyholder (Insured) or a person representing his (her) interests with the Insurer regarding the notification of the insured event.

13. compensation of the cost of transportation of the Policyholder (Insured) immediately after the end of in-patient treatment, by economy class to the place of permanent (preferential) residence (place of registration) in Ukraine after the expiry of the insurance contract, if the Policyholder has missed his/her flight due to in-patient treatment. In this case medical evacuation is not covered.

14. compensation of the Policyholder's (Insured person's) living expenses abroad after the expiry of the contract, if his/her return to the country of permanent (preferential) residence or the country of place of registration is impossible immediately after discharge from the hospital.

15. compensation of hotel accommodation expenses for one companion of the Policyholder (Insured person) abroad for a period not exceeding 5 days, if the Policyholder (Insured person) is on in-patient treatment after the expiry of the term of the insurance contract

16. compensation for the cost of round-trip economy class travel for one of the adult close relatives of the Policyholder (Insured), if the duration of treatment of the Policyholder (Insured) in a hospital in the country of temporary stay exceeds 5 days.

17. compensation of the cost of hotel accommodation for up to 5 days for one of the adult close relatives of the Policyholder (Insured), if the duration of treatment of the Policyholder (Insured) in a hospital in the country of temporary stay exceeds 5 days.

18. compensation of expenses for early return by economy class to the country of permanent (preferential) residence (place of registration), if necessary, accompanying the Policyholder's (Insured person's) children under 16 years of age in case of hospitalisation or death of the Policyholder (Insured person) at the place of temporary stay.

19. compensation of the cost of economy class travel to the country of permanent residence of one companion of the Policyholder (Insured) in case of his/her hospitalisation or death.

20. payment of expenses for search and rescue of the Policyholder (Insured) as a result of an accident in mountains, at sea, in the forest or other remote areas, including expenses for transportation, including by helicopter (if possible and available), from the place of accident to a medical institution, provided that civil services and organisations are allowed to reach such places

21. Payment of the cost of hyperbaric therapy (baro-chamber);

22. Compensation for the cost of fixation means prescribed by a doctor for injuries. The means of fixation within the limits of this paragraph include only crutches, orthoses, bandages and tunics;

23. payment (compensation) for the cost of emergency medical care provided for injuries or illnesses resulting from terrorist acts and natural disasters, including posthumous repatriation.

24. payment (compensation) of the cost of medical care for sunburns, allergic dermatitis of any origin;

25. payment (compensation) for the cost of emergency medical care for exacerbations of chronic diseases;

26. payment (compensation) for the cost of emergency gynaecological care in case of pregnancy not exceeding 31 weeks;

27. payment (compensation) for the cost of medical expenses in case of premature birth. The case will be recognised as an insured event only if the premature birth has started in the pregnancy term not exceeding 31 weeks. In this case the Insurer shall pay (compensate) the necessary medical expenses for outpatient and/or inpatient care, as well as medical and transport expenses for transporting the Policyholder (Insured person) to a medical institution within the limit of liability;

28. payment (compensation) of the cost of medical care for a newborn child in case of premature births, if they started at a gestation period of not more than 31 weeks. In this case, the Insurer shall pay (compensate) the necessary medical expenses for outpatient and/or inpatient care, as well as medical and transport expenses within the limit of liability;

29. compensation of the Policyholder's (Insured person's) expenses for the acquisition of essential items (e.g.: underwear, personal hygiene products (except for decorative cosmetics), glasses, panamas \ hat, etc.), which cannot be done without, as a result of luggage delay for more than 6 hours from the moment of the Policyholder's (Insured person's) arrival in the country of travel.

30. compensation of the Policyholder's (Insured person's) expenses for execution of lost personal documents (passports) necessary for returning to the country of permanent residence

31. compensation of expenses for the engagement of a lawyer and an interpreter to protect the rights of the Policyholder (Insured) during administrative or judicial proceedings to protect the rights of the Policyholder (Insured) after a road traffic accident that occurred with his (her) participation.
Accident insurance while travelling abroad in Ukraine includes:

- temporary loss of the policyholder's (insured person's) general labour capacity for at least 5 days as a result of an accident or

- permanent loss of the policyholder's (insured person's) general labour capacity (establishment of primary disability of I, II or III group) as a result of an accident or death of the policyholder (insured person) as a result of an accident.
Baggage insurance includes the fact of incurring losses by the Policyholder (Insured) caused by damage, destruction or loss of baggage.
Insurance of financial risks includes the fact of incurring losses by the Policyholder (Insured) due to impossibility to perform 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, and as a result of which the Policyholder (Insured) was forced to cancel (refuse, cancel) the trip, namely:

1. death of the Policyholder (Insured), his/her family member or companion, incl. as a result of military operations;

2. injury, incl. as a result of military operations, or sudden illness, including COVID-19, which requires outpatient treatment of the Policyholder (Insured) or his/her family member or companion;

3. destruction of the Policyholder's (Insured person's) immovable property as a result of fire, natural disasters, unlawful acts of third parties or as a result of application of military operations by the aggressor, provided that the property is located not closer than 50 kilometres to the line of contact (the settlements of the line of contact include settlements located in the territories of active hostilities adjacent to the occupied territory and included in the relevant list, which is periodically updated).

4. failure (refusal to issue) an entry visa by the Policyholder (Insured) or any of his/her family members or companion travelling together with the Policyholder (Insured);

5. delay in issuing a visa to the Policyholder (Insured) and or any of his/her family members or companion who are travelling together with the Policyholder (Insured);

6. issuance of a visa to the Policyholder (Insured) or his/her family member or companion for a different period of time than applied for, as a result of which the previously booked trip has become impossible;

7. abduction of travel documents (tickets), foreign passport, driving licence or other documents from the Policyholder (Insured) or his/her family member or companion, the absence of which makes it impossible to make the trip, which is reported to the Ministry of Internal Affairs within 24 hours;

8. malfunctions, machine equipment failure and other unforeseen technical malfunctions with the means of water transport (liner, motor ship), the trip (cruise) on which was booked and paid for, which resulted in the cancellation (cancellation) of the trip;

9. lateness of the flight for the booked trip due to an accident, traffic accident or breakdown of a public transport vehicle (except taxi) on which the Policyholder (Insured person) was travelling to the place of departure (airport, railway station);

10. delay of the flight departure at the point of departure from Ukraine for more than 4 hours;

11. Receipt of a message about the Policyholder's (Insured person's) conscription into the Armed Forces of Ukraine for military/alternative service on mobilisation or for participation in military training camps during the planned trip, about which the Policyholder (Insured person) was not aware before the conclusion of the insurance contract and provided that such person had the right to travel abroad when booking the trip and concluding the insurance contract.

12. Cancellation of the trip due to delay of more than 24 hours or cancellation of the flight to the place 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 of the flight, or due to closure of the country's borders, or introduction of restrictions on departure from the country, which was not known before the date of execution of the insurance contract.
The insurance contract shall be concluded with persons aged up to 80 years, unless otherwise specified in the insurance contract, whose trip starts from the territory of Ukraine or the country of location of the Policyholder (Insured) and from which the trip begins

In case of insurance of persons aged 65 to 80 years, surcharges shall be applied. The insurance contract with regard to insurance of financial risks may be concluded for the period not less than 7 calendar days prior to the date of commencement of the trip and not more than 180 days. Insurance cover in respect of risks related to obtaining a visa is valid only in respect of residents of Ukraine and on condition of timely submission of a full package of necessary documents to the consular office for visa issuance, as well as on condition of absence of previous visa refusals received by the Insured persons.

Insurance contracts are not concluded in respect of the following persons:

● with individuals aged over 80 years old <● citizens of the Russian Federation, Belarus, Syria, Iran, North Korea and Myanmar, except for those who have a permanent residence permit in Ukraine.

● legally recognised as legally incapable;

● insurance coverage is not valid in the territory of permanent residence of the Policyholder (Insured person); Russian Federation; Belarus; Syria; Iran; North Korea and Myanmar.

The validity of the Contract in terms of insurance of risks according to the 7th class (luggage) does not apply to:

- fur items, jewellery, printing devices, cinema, photo, video equipment, laptops, mobile phones, etc. and any accessories thereto;

- jewellery, 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, izha;

- means of auto-, motor-, bicycle transport, air and water transport, as well as spare parts for them;

- items of religious worship;

- means of personal hygiene, decorative cosmetics.

At the same time are recognised:

- collections - a set of any homogeneous items (stamps, calendars, badges, plants, etc.) of scientific, historical, artistic interest, or collected for amateur purposes;

- unique - one-of-a-kind, exceptional in its qualities or great rarity of products, works of art;

antique - ancient items of great artistic or other value;

- spare parts - any assemblies, details, parts and accessories to vehicles, mechanisms, devices of electronic equipment, etc.
The minimum and maximum sum insured under this insurance product may be:

Class 18: 30,000 euros

Class 1: 3 000 euros

Class 7: 500 euros

Class 16: from UAH 3,000 to UAH 150,000.

The amount and currency of the sum insured is determined in the individual part of the insurance contract. Conversion of the sum insured into the hryvnia equivalent is performed at the NBU exchange rate determined as of the date of conclusion of the insurance contract.

When insuring several persons, the sum insured for classes 18, 1, 7 is the sum insured separately for each of the Insured.

In case of insurance of several persons, the sum insured under classes 16 is the total sum insured under the contract regardless of the number of Insured persons.

When insured events occur, the sum insured shall each time be reduced by the amount of insurance benefits paid by the Insurer. If the amount of money paid or claimed for payment reaches the level of the Sum Insured specified in the individual part of the Insurance Contract, the Insurance Contract shall be terminated in full or for a separate insurance class.
When choosing the ‘Economy’ package:

The minimum and maximum insurance rates are 0.003% per day and 14.93% per year respectively. The minimum and maximum insurance tariff is 0.003% per day and 14.93% per year respectively. The minimum and maximum insurance premium per person is EUR 1 per day and EUR 4927.5 per year, which is converted into UAH according to the NBU exchange rate on the date of the insurance contract.

When choosing the package ‘Economy Plus’:

When choosing the package ‘Economy Plus’. The minimum and maximum insurance tariff is 0.003% per day and 14.93% per year respectively. The minimum and maximum insurance premium per person is EUR 1 per day and EUR 4927.5 per year, which is converted into UAH according to the NBU exchange rate on the date of the insurance contract. An additional payment is paid at the rate of 5% of the sum insured for the risks of trip cancellation (trip cancellation). The minimum and maximum amount of additional insurance premium for risks of trip cancellation (trip cancellation) under the contract is UAH 150 and UAH 7500 respectively.

When choosing the package ‘Standard’:

When choosing the package ‘Standard’. The minimum and maximum insurance tariff is 0,004% and 16,67% per year respectively. The minimum and maximum insurance premium per person is EUR 1.40 per day and EUR 5,584.5 per year, which is converted into hryvnia according to the NBU exchange rate on the date of conclusion of the insurance contract

When choosing ‘Standard Plus’ package:

When choosing ‘Standard Plus’ package The minimum and maximum insurance tariff is 0.004% and 16.67% per annum respectively. The minimum and maximum insurance premium per person is 1.40 euros per day and 5 584.5 euros per year, which is converted into hryvnia according to the NBU exchange rate on the date of conclusion of the insurance contract An additional payment is paid at the rate of 5% of the sum insured for trip cancellation risks (trip cancellation). The minimum and maximum amount of additional insurance premium for risks of trip cancellation (trip cancellation) under the contract is UAH 150 and UAH 7500 respectively.

When choosing the package ‘Active tourism (recreation)’:

When choosing the package ‘Active tourism (recreation) The minimum and maximum insurance tariff is 0,008% and 28,37% per year respectively. The minimum and maximum insurance premium per person is 2,85 euros per day and 9,362,25 euros per year, which is recalculated in hryvnia according to the NBU exchange rate on the date of conclusion of the insurance contract.

When choosing the package ‘Active tourism (recreation) plus’:

When choosing the package ‘Active tourism (recreation) plus The minimum and maximum insurance tariff is 0,008% and 28,37% per year respectively. The minimum and maximum insurance premium per person is 2,85 euros per day and 9,362,25 euros per year, which is recalculated in UAH according to the NBU exchange rate on the date of the insurance contract conclusion An additional payment is paid at the rate of 5% of the sum insured for trip cancellation risks (trip cancellation). The minimum and maximum amount of additional insurance premium for risks of trip cancellation (trip cancellation) under the contract is UAH 150 and UAH 7500 respectively.

When choosing the package ‘Full (extended) coverage’:

When choosing the package ‘Full (extended) coverage The minimum and maximum insurance tariff is 0.006% and 26.97% per year respectively. The minimum and maximum insurance premium per person is EUR 2.10 per day and EUR 9,033.75 per year, which is converted into UAH according to the NBU exchange rate on the date of the insurance contract.

When selecting the package ‘Trip cancellation (trip cancellation)’:

When selecting the package ‘Trip cancellation (trip cancellation) An additional payment is paid at the rate of 5% of the sum insured for the risks of trip cancellation (trip cancellation) The minimum and maximum amount of the additional insurance premium for the risks of trip cancellation (trip cancellation) under the contract is UAH 150 and UAH 7500 respectively.
An unconditional deductible and a temporary deductible may be applied The amount of the unconditional deductible shall be determined in the individual part of the insurance contract for the insurance class and/or individual insured risks within a particular insurance class.

Unless otherwise specified in the individual part of the insurance contract, the unconditional deductible: 10% for the 7th class of insurance For the 16th class of insurance is 10%

The deductible for insurance risks of the 18th class of insurance related to the services of a lawyer and risks related to damage to the property and health of third parties, rented equipment is 10%. If the insurance contract is concluded during the stay abroad less than three days before the beginning of the insurance term (period), a temporary deductible of 48 hours will be applied for class 18, which starts from the next day specified as the beginning of the insurance term (period). At the same time, the expenses for the medical services provided in connection with the occurrence of an accident will be covered taking into account the following:

- the insurance premium has been paid in full;

- the accident occurred not earlier than the date and time of conclusion of the insurance contract and the day specified as the beginning of the insurance period;

- medical services have been provided starting from the next day of the date specified as the beginning of the insurance period. The temporary deductible period shall be counted as part of the total period of validity of the contract. All events and services that have occurred or are provided during the temporary deductible period, except for the provision of services described in this clause in connection with the occurrence of an accident, shall not be deemed insured and shall not be covered

The territory of coverage is indicated in the individual part of the insurance contract and is labelled as:

Geographical zone ‘Europe’ (graphic representation EUROPE or EU). The ‘Europe’ zone includes all countries of geographical Europe as well as Algeria, Egypt, Israel, Morocco, Tunisia, Turkey. OR

The geographical zone ‘World’ (World or W), which includes all countries of the world.

The insurance contract is not valid on the territory of:
The term of validity of the insurance contract (insurance coverage) is determined in the individual part of the contract within the number of insured days within the insurance period (or periods) defined in the contract

Beginning and expiry of the contract term

Beginning and expiry of the contract term For Class 18 risks:

1. Beginning and expiry of the contract validity period (insurance coverage) for persons who are on the territory of Ukraine on the date of execution of the insurance contract: 1.1. the insurance contract must be concluded before the beginning of the trip (i.e. before crossing the border of Ukraine) 1.2. the term (or period) of insurance and the number of insured days shall be chosen by the Policyholder independently 1.3. the beginning of the insurance term (period) may coincide with the date of conclusion of the insurance contract or be a later date; 1.4. insurance cover (insurance coverage) and the countdown of the number of insured days shall start from the moment when the Policyholder (Insured) passes the border control of Ukraine when travelling abroad or from 00 o'clock (Kiev time) of the day specified as the beginning of the term (period) of insurance (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. 1.5. insurance cover (insurance coverage) ends at the moment of passing the border control of Ukraine by the Policyholder (Insured person) when returning from abroad or at 24 hours Kiev time of the day specified as the end of the term (period) of insurance with obligatory taking into account the number of insured days (according to the date that occurred earlier).

2. The beginning and end of the term of the contract (insurance coverage) for persons who are outside Ukraine as of the date of the insurance contract: 2.1. the term (or period) of insurance and the number of insured days shall be chosen by the Policyholder independently At the same time, the Policyholder must necessarily take into account that the insurance contract must be concluded three days before the desired start date of the term (period) of insurance; 2.2 If the Policyholder violates the deadline for concluding the contract and determining the beginning of the insurance term (period), the requirements set out in the preceding paragraph, a temporary deductible shall be applied. In such a case, the insurance cover shall start to be effective 48 hours after the date specified as the beginning of the insurance period, counting from the next day specified as the beginning of the insurance period. At the same time, coverage of the expenses for the medical services provided in connection with the occurrence of an accident will be provided taking into account the following: - the insurance premium has been paid in full; - the accident has occurred not earlier than the date and time of conclusion of the insurance contract and the day specified as the beginning of the insurance period; - medical services have been provided as of the next day of the date specified as the beginning of the insurance period. The temporary deductible period shall be counted as part of the total period of validity of the contract. All events and services that have occurred or are provided during the temporary deductible period, except for the provision of services described in this clause in connection with the occurrence of an accident, shall not be deemed insured and shall not be covered; 2.3. if the requirements for concluding the contract and determining the beginning of the insurance term (period) set out in the previous clause 1 are met, the insurance cover and the countdown of the number of insured activities shall commence on the date specified as the beginning of the insurance term (period) 2.4. the insurance cover shall end at the moment when the Policyholder (Insured) passes the border control of Ukraine when returning from abroad or at 24 hours Kiev time of the day specified as the end of the insurance term (period) with obligatory taking into account the number of insured days (according to the date that occurred earlier).

3. If the individual part of the insurance contract provides for multiple journeys (multy), the Insurer shall be liable within the limits of the total number of days of stay abroad specified in the contract for the entire term (period) of insurance. At each trip abroad the insurance cover validity period is automatically reduced by the number of days spent by the Policyholder (Insured) in the territory of the contract. The number of days of stay of the Policyholder (Insured) abroad for each individual trip is determined in accordance with the marks of the border service in the passport of the person for foreign trips, or in accordance with the information (letter) of the border service of the country to which the trip was made or other similar document. The minimum number of insured days may be 3 days Maximum - 365 days.

On Class 1 risks:

On Class 1 risks The validity of the insurance contract starts from the moment of the Policyholder's (Insured person's) boarding the vehicle at the starting point of the trip specified in the ticket, etc., but not earlier than the beginning of the insurance term (period) specified in the individual part of the insurance contract and payment of the insurance payment, and ends at the final point of the trip specified in the travel service contract or when leaving the vehicle in Ukraine or at the end of the insurance term (period), with mandatory consideration of the number of insured days. The minimum number of insured days can be 3 days. Maximum - 365 days.

On risks of class 7:

On risks of class 7. The validity of the contract starts from the moment of transferring the baggage under the carrier's responsibility, but not earlier than the date specified in the individual part of the insurance contract as the beginning of the insurance term (period) and payment of the insurance payment. The validity of the contract ends at the moment of receiving the luggage from the carrier, but not later than the end of the insurance period specified in the individual part of the insurance contract with obligatory taking into account the number of insured days (according to the date that occurred earlier). The minimum number of insured days may be 3. The maximum is 30 days.
The Insurer shall not pay or reimburse the cost of treatment and services related to such diseases and events:

1. 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 in the insurance package chosen by the Policyholder), congenital anomalies (malformations), deformations and chromosomal disorders, autoimmune diseases, cholelithiasis, urolithiasis, and related complications (gallbladder empyema, hydronephrosis of the kidney, etc.), even if they manifested themselves periodically or were detected for the first time. The management of acute pain until stabilisation of the condition is covered, 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 conditions, depression, etc.), mental diseases and disorders, as well as related traumatic injuries;

- venereal diseases, immunodeficiency state, AIDS;

- diseases of blood and hematopoietic organs;

- epidemic and pandemic diseases;

- testing for COVID-19 at the request of the Policyholder (Insured person) without the referral of the attending physician, if the result is negative;

- acute and chronic radiation sickness;

- medical care during pregnancy (except for ectopic pregnancy) and childbirth, unless otherwise provided for by the selected insurance package;

- any health disorders, complications or death due to failure to comply with the recommendations of the attending physician, side effects of medicines 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 flushing (wax plugs, water ingress, etc.);

- eye diseases related to contact lens care and allergic conjunctivitis;

- 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 package selected by the Policyholder;

- insect stings, jellyfish stings, seaweed stings;

- injuries or illnesses that occurred before the beginning of the insurance period, on or before the day of conclusion of the insurance contract and/or in the territory of the permanent place of 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 Policyholder (Insured) returned from the trip;

- injuries or illnesses, medical expenses incurred (incurred) during the period of validity of the temporary deductible;

- 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 to 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 case of disputes;

- medical examination that is not the result of acute pain, sudden illness and bodily injury; provision of services that are not reasonably medically necessary or urgent (including check-ups by a doctor); examination (consultation) by a doctor based on the results of which no treatment is prescribed or not included in the treatment prescribed by a doctor; provision of special services such as a separate room, telephone, television, etc;

- services and treatment that can be postponed until the return from the trip, including surgical operations that can be replaced by a course of conservative treatment until the end of the trip, etc.;

- high-tech manipulations and operations, in particular, but not exclusively on the heart and blood vessels, including angiography, coronarography, angioplasty, bypass surgery, stenting, installation of artificial pacemaker, as well as plastic surgeries on joints and ligaments, including atroscopic diagnostic and surgical interventions, etc;

- diagnostic services: consultations, laboratory tests and other measures not prescribed by the doctor and/ or the Assisting Company as necessary to establish a diagnosis for the purpose of further prescription of treatment;

- carrying out preventive vaccinations;

- medical examinations and laboratory tests not related to the insured event;

- all types of plastic and cosmetic surgeries and procedures, all types of prosthetics, organ transplants;

- dental treatment, except as specified in the insurance package;

- physiotherapeutic, rehabilitation treatment and treatment with non-traditional methods;

- therapeutic recreation, sanatorium and health resort treatment, as well as spa procedures;

- purchase or repair of auxiliary aids (such as pacemakers, glasses, contact lenses, hearing aids, inhalers, prostheses, crutches, wheelchairs, measuring devices, bandages, tourniquets, etc.), metal osteosynthesis aids (spikes, screws, plates, pins and similar materials), purchase of general tonic preparations, hygiene products, baby food, unless otherwise provided for by the terms and conditions of the insurance package selected by the Policyholder;

- artificial insemination, infertility treatment, pregnancy prevention measures;

- treatment of alcoholism, drug addiction, etc., including treatment of withdrawal syndrome;

- medical evacuation, repatriation, burial abroad, rescue operations organised without written agreement (consent) with the Assisting Company and/ or the Insurer regardless of the amount of expenses;

- expenses when the trip was made with the intention to receive medical treatment;

- self-treatment, as well as treatment provided by spouses, parents or children;

- the need for personal care, patronage, protection,

- accommodation expenses (except if such grounds are provided for in the terms and conditions of the selected insurance package), meals, etc. including during the stay in self-isolation, quarantine, observation, etc., as well as during outpatient treatment;

- for continuation of treatment of the Policyholder (Insured person) after his/her return from the trip to the place of permanent or temporary stay (residence), unless otherwise provided for by the terms and conditions of the insurance package chosen by the Policyholder, as well as the expenses that are covered by social, health insurance and other security are not indemnified;

- expenses exceeding 1000 c.u. of the sum insured shall not be indemnified for which a prior written agreement (consent) with the Assisting Company and/ or the Insurer is required, 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 luggage delay took place up to 6 hours or if the luggage delay took place upon arrival in a country other than the country to which the trip was made;

- transport of an urn with ashes of the deceased Policyholder (Insured);

- other events and occurrences defined in these terms and conditions or applicable law;

- other events, services provided and/or expenses, which are not included in the insurance package chosen by the Policyholder or took place before the beginning or after the end of the insurance period or not in the territory of the contract.

In addition, under the terms and conditions of civil liability insurance of the Policyholder (Insured person), any claims for indemnification of the following shall not apply to insured events:

- losses (expenses) related to purchase of tickets for travelling by any transport, etc;

- losses or expenses have been realised deliberately by the Policyholder (Insured person) personally or in collusion with a third person;

- losses related to contractual, economic and criminal liability of the Policyholder (Insured) to third parties, as well as losses caused to the environment;

- harm or losses caused by the Policyholder (Insured) to any type of transport with an engine;

- harm or losses caused to the family members of the Policyholder (Insured);

- fine, penalty or other financial sanctions which are not a direct consequence of the harm caused to health or damage to property of third parties;

- losses in excess of the scope and amounts stipulated by the current legislation of Ukraine and/or the country of temporary stay of the Insured, as well as in excess of the sum insured specified in the Contract;

- harm or damage caused during participation in sports competitions and in the process of preparation for them;

- harm or damage related to production, professional activity, physical labour or criminal actions of the Policyholder (Insured person);

- harm or damage arising in connection with a fact, situation, circumstances, which were known to the Policyholder (Insured person) before the commencement of the insurance contract or in relation to which the Policyholder (Insured person) was able to foresee the possibility of filing a claim against the Policyholder (Insured person); moral damage, as well as damage caused to the image or reputation of third parties.
The Insurer shall not recognise the following cases as insured events:

- diseases that are not the result of an accident of the Policyholder (Insured) (except for tetanus, rabies, encephalitis transmitted by tick bites);

- therapeutic holidays, rehabilitation, sanatorium and health resort treatment, as well as spa procedures;

- an accident that occurred as a result of an illness that is a consequence of a mental reaction to military events, internal disturbances, a terrorist act, a plane crash or fears related to such events;

- an accident resulting from chronic or mental illnesses, even if they occur periodically;

- insurance of persons over the age limit;

- injuries or illnesses due to an accident resulting from a road traffic accident, including when using a car, bicycle, motorbike, moped, hydro and quad bike, hydro scooter, snowmobile, boat, motorboat, etc., if:

- the Policyholder (Insured) drove the vehicle without having the relevant driving licence

The Policyholder (Insured) drove the vehicle in a state of alcoholic, narcotic or toxic intoxication, or under the influence of psychotropic and toxic substances; the Policyholder (Insured) has transferred control of the vehicle to another person who did not have a relevant driving licence;

- the Policyholder (Insured) was in the vehicle as a passenger, except for public transport driven by a person who was under the influence of alcoholic, narcotic or toxic intoxication or psychotropic and toxic substances;

- the Policyholder (Insured) has neglected and failed to use safety (protection) means both together and separately, such as: seat belt, helmet, helmet, life jacket, as well as other safety means provided for by the rules of operation of the vehicle;

- events that occurred before the conclusion of the insurance contract or before the beginning of the insurance term, as well as those that occurred after the end of the insurance term or not in the territory of the contract;

- death of the Policyholder (Insured person) which is not the result of an accident;

- other events and cases defined in these terms and conditions or in the legislation in force.

- The Insurer shall not make insurance payments related to compensation of moral damage
Losses incurred due to the following reasons shall not be indemnified:

- inattention or gross negligence of the Policyholder (Insured);

- inadequate packing (corking) or sending the luggage in damaged condition;

- special properties or natural qualities of the insured luggage, normal wear and tear, natural deterioration, mould; electrical or mechanical malfunction of audio or video equipment, etc;

- breakage or damage of earthenware, porcelain, glass, musical instruments and other fragile objects;

- damage caused by acids, paints, aerosols, medicines and any liquids carried in the luggage;

- other events and cases defined in the Offer or the applicable law.

- The Insurer does not make insurance payments related to compensation of moral damage.

The Contract does not apply to:

- fur products, jewellery, printing devices, cinema, photo, video equipment, laptops, mobile phones, etc. and any accessories thereto;

- jewellery, 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;

- means of auto-, motor-, bicycle, air and water transport, as well as spare parts for them;

- items of religious worship;

- means of personal hygiene, decorative cosmetics.

At the same time are recognised:

- collections - a set of any homogeneous items (stamps, calendars, badges, plants, etc.) of scientific, historical, artistic interest, or collected for amateur purposes;

- unique - one-of-a-kind, exceptional in its qualities or great rarity of products, works of art;

antique - ancient items of great artistic or other value;

- spare parts - any assemblies, details, parts and accessories to vehicles, mechanisms, devices of electronic equipment, etc.
A trip cancellation (cancellation, refusal) shall not be deemed an insured event if:

- such trip was contraindicated to the Policyholder (Insured person) due to 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, which were acquired by the Policyholder (Insured) or a family member or companion before the date of conclusion of the insurance contract, even if they were detected for the first time or manifested periodically;

- the reason for cancellation (cancellation, refusal) of the trip is events and insured events other than those provided for in the insurance program;

- the reason for cancellation (cancellation, refusal) of the trip is the stay in self-isolation, quarantine, observance, etc. without establishment of a relevant diagnosis (including COVID-19), which requires taking the specified measures from the medical point of view;

- the events that are the grounds for cancellation (cancellation, refusal) of the trip occurred before or on the day of conclusion of the insurance contract in the part of insurance of financial risks;

- events which are the grounds for cancellation (cancellation, refusal) of the trip occurred after the introduction of restrictive measures in Ukraine (e.g. quarantine, state of emergency, prohibition to travel abroad due to martial law, closure of borders, flight cancellation, etc.), which already made it impossible to perform the trip;

- stay of the Policyholder (Insured person) in self-isolation, quarantine, observance, etc. in the country of travel;

- therapeutic holidays, sanatorium-resort and health-improving treatment;

- the documents for obtaining a visa were not submitted in time to the consular office 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, traffic accident or breakdown of own or other private vehicle (not public) on which the Policyholder (Insured) was travelling to the place of departure;

- untimely notification of the travel intermediary (tour operator), carrier or other service provider of the refusal (cancellation, cancellation) of the trip, due to which the incurred losses were not minimised;

- other events and cases defined in these terms and conditions or applicable law.

- The Insurer does not make insurance payments related to compensation of moral damage.

The events that have occurred due to:

public disorder, strikes or state of emergency (including martial law); action of a nuclear incident or ionising radiation; use of nuclear, chemical or biological weapons;

terrorist acts, natural disasters, except if such events are stipulated by the terms and conditions of the insurance product;

committing suicide or attempted suicide by the Policyholder (Insured) (except for cases when the Policyholder (Insured) has been brought to such a state by unlawful actions of third parties);

committing or attempting to commit unlawful acts by the Policyholder (Insured person), which are in direct causal relationship with the insured event, as established by the competent authorities;

● active participation in war (declared or undeclared), civil war, hostilities or military actions; br>
● exposing the Policyholder (Insured) to unjustified risk, conscious danger (except for saving life)

● presence of the Policyholder (Insured) in the state of alcoholic, except if such events are stipulated by the terms and conditions of the insurance product, narcotic or toxic intoxication.

Also independent grounds for refusal of insurance payment are:

Intentional actions or inaction of the Policyholder (Insured) aimed at the occurrence of an insured event, except for actions committed in a state of extreme necessity or necessary self-defence (without exceeding its limits) or cases determined by law or international customs;

Committing a deliberate criminal offence by the Policyholder (Insured), which resulted in the occurrence of the insured event;

submission by the Policyholder, the Insured or the person in favour of whom the insurance payment is to be made, of knowingly false information about the object of insurance, location of the Policyholder (Insured) as of the date of conclusion of the insurance contract, or about the fact and causes of occurrence of the insured event. The proof of the Policyholder's (Insured person's) location as of the date of conclusion of the contract shall be the relevant border crossing marks in the passport for travelling abroad;

creation of obstacles to 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 of the Policyholder (Insured person) to fulfil their obligations specified in the contract or legislation, if it has led to the impossibility of the Insurer to determine the fact, causes and circumstances of the 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;

failure to fulfil the Insurer's instructions in the process of settlement of the insured event;

Illnesses that are a consequence of mental reaction to military events, internal disturbances, terrorist act, air crash, natural phenomena or fears related to such events;

chronic, except if such events are stipulated in the terms and conditions of the insurance product, and mental illnesses, even if they are detected for the first time or manifest themselves periodically;

insurance of persons above the established age limit or insurance of persons without applying surcharges;

performance by the Policyholder (Insured) of any kind of physical work, active tourism, sports and extreme sports, if such risks have not been insured in accordance with the insurance package and appropriate surcharges have not been applied;

other cases stipulated by the current legislation of Ukraine.
Unless otherwise specified in the individual part of the insurance contract:

the limit of liability for Class 18 risks is 100%, except for the following risks:

under the insurance risk ‘emergency dental care’, ‘medical care for sunburns, allergies’ the limit of insurance benefit not exceeding 1% of the sum insured is provided for

for the insurance risk ‘compensation of the cost of telephone communication services’ the insurance benefit limit is not exceeding 100 euros.

for the insurance risk ‘ritual services for burial of a body abroad’ the insurance benefit limit not exceeding 10% of the sum insured is provided.

for insurance risks related to accommodation of the Policyholder (Insured), their family members, accompanying persons, the insurance benefit limit is 100 euros per day of accommodation, but not more than five days.

for insurance risks related to transport of the Policyholder (Insured), their family members, accompanying persons, the insurance indemnity limit is not more than EUR 400 for travelling in economy class.

under the insurance risk ‘search and rescue of the Insured person’, ‘hyperbaric chamber’, ‘payment for fixation means’, ‘exacerbation of chronic diseases’, ‘pregnancy and childbirth up to 31 weeks, assistance to a newborn’, ‘injuries, diseases caused by terrorism’ the insurance benefit limit not exceeding 10% of the sum insured is provided for

under the insurance risk related to compensation of expenses for purchase of essential goods due to delay of luggage for more than 6 hours, the insurance benefit limit is not exceeding 1% of the sum insured.

The insurance risk ‘harm to life and health of third parties’ provides for a limit of insurance benefit not exceeding 50% of the sum insured.

The insurance risk ‘damage to property of third parties’ provides for the limit of insurance payment not exceeding 20 per cent of the sum insured.

At the insurance risk ‘damage to hired equipment’, ‘lawyer's services’ the insurance benefit limit is not exceeding 1% of the sum insured.

In case of failure to coordinate with the Assisting company medical expenses in the amount exceeding 1000 u.u., the Insurer shall pay out not more than 1000 u.u.

In case of non-agreement of expenses related to medical evacuation, burial, repatriation of the body, search and rescue, the Insurer shall have the right to refuse to pay the insurance indemnity.

limits of liability for risks under class 1:

- temporary loss of general labour capacity by the policyholder (insured person) the limit of liability is not more than 30%;

- permanent loss of working capacity, namely the establishment of disability as a result of an accident:

III group - 60%;

ІІІ group - 75 per cent;

I group - 100 per cent.

- death - 100%

liability limits for class 7:

100% of the sum insured

liability limits for class 16:

100% of the sum insured
The Policyholder (Insured person) within 30 calendar days from the event that occurred earlier, namely the end of the trip during which the insured event occurred or the expiry of the insurance period, shall submit to the Insurer an application for insurance indemnity according to the form established by the Insurer, which can be downloaded from the Insurer's website.

The application for payment of insurance indemnity shall be accompanied by:

- insurance contract;

- duly certified copy of the Policyholder's (Insured person's) foreign passport with stamps on crossing the border of the country of stay (all pages with stamps);

- another document confirming the border crossing for the whole period of validity of the contract;

- duly certified copy of the Policyholder's (Insured person's) national passport (all pages with stamps) or ID card;

- duly certified copy of the certificate of assignment of identification number to the Policyholder (Insured person); < duly certified copy of the document confirming the place of registration of the Policyholder (Insured) (for ID cards);

- in case of death of the Policyholder (Insured person) as a result of an accident - duly certified copies of the national passport of the Beneficiary and a certificate of assignment of the identification number; copy of the death certificate; original or notarised copy of the certificate of right to inheritance;

- in case of insurance payment to the legal representative (guardian) - duly certified copies of the national passport of the legal representative (guardian) and the certificate of assignment of the identification number, birth certificate of the Insured; a document confirming the establishment of guardianship over the Insured;

- bills for telephone calls with the Insurer, on which the telephone number and the cost of each call are indicated;
- invoices, cheques on payment for medical services and/ or purchase of medical drugs;

- in case of injury or road traffic accident - an official report or certificate of the event drawn up in the country of travel, which must contain the following information: officials certifying the fact of the event and their authority to perform such actions; addresses and/or telephone numbers of the persons certifying the fact of the event; a detailed description of the circumstances of the event and the role of the Policyholder (Insured) in it; the condition of the Policyholder (Insured) with regard to alcohol, drugs or toxic substances; a certificate of the Insured's (Insured person's) health; a certificate of the Insured's (Insured person's) status with regard to alcohol, drugs or toxic substances.

- in case of luggage delay - travel ticket in original, on the basis of which the Policyholder (Insured) was in the vehicle; luggage receipt (ticket), confirming the fact of transferring the luggage under the carrier's responsibility in original; copy of the application to the carrier about luggage delay with the carrier's mark of acceptance of the application; document confirming the luggage delay with indication of the date and time of luggage receipt (in original), drawn up by the responsible person of the carrier. additionally for class 1 (accident insurance)

- in case of continuing treatment after returning from the trip - a certificate from a medical institution in Ukraine indicating the Insured's name, diagnosis, date of treatment and duration of treatment (except for the period of rehabilitation treatment), signed and stamped by the responsible person (attending physician) and stamped by the medical institution;

- in case of establishment of primary disability to the Policyholder (Insured) as a result of an accident that took place during the trip - the conclusion of the medical and social expert commission on establishment of primary disability to the Insured as a result of an accident or its notarised copy;

- in case of 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 of assignment of his/her identification number (taxpayer card); copy of the death certificate; original or notarised copy of the certificate of the right to inheritance;

additional for Class 7 risks:

- list of baggage items that are lost, destroyed or partially damaged with indication of their value;

- original travel ticket on the basis of which the Policyholder (Insured) was in the transport vehicle;

- luggage receipt (ticket) confirming the fact of transferring the luggage under the carrier's responsibility;

- copy of the application to the carrier about the loss, total or partial damage of the luggage with the carrier's mark of acceptance of the application;

- a document confirming the loss, complete or partial damage of the baggage (Act of Damage in Carriage in the original) drawn up by the carrier's responsible person;

- copy of the carrier's decision to recognise the baggage as finally lost (in case of baggage loss) 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 luggage;

additional for Class 16 risks:

- cheques, receipts evidencing payment of the cost of services booked for the trip; < documents from the subject of tourist activity or other service provider confirming booking and payment of services for the Policyholder (Insured person), the costs of which are insured under this contract (contracts, vouchers, tickets, etc.);

- documents confirming penalties due to cancellation of the trip from the tour operator, transport companies, consulates, hotels and other organisations whose services were ordered and paid for the Insured;

- documents from the subject of tourist 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 person) of the booked trip due to injury, illness, death of the Policyholder (Insured person) or his/her family members or companions: an official certificate from a medical institution about the injury (illness, treatment), medical prescriptions and warnings regarding the trip, copies of documents confirming family ties of the Policyholder (Insured person) and the person due to whose illness the trip is cancelled (if such person is not the Insured person).

- 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, seismological service, etc.), which confirm 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 issuing an entry visa or refusal to enter the country of destination: an official refusal to issue a visa from the consular office (if such document was issued); a certificate on the date of visa receipt; 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 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 trip: a certificate from the carrier about the delay with indication of the reason; travel documents; detailed description of 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 to make the trip: a copy of the application to the Ministry of Internal Affairs authorities 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) delay on the flight from Ukraine: a certificate from the carrier about the delay with indication of the reason; travel documents; certificate of road traffic accident; certificate of accident;

In view of 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 insurance payment. All documents, except for the application, may be submitted to the Insurer within three years from the date of occurrence of the event. Documents shall be submitted to the Insurer in Ukrainian, English, German, Polish or Russian. If the documents are drawn up in another language, an official notarised translation of these documents into the Ukrainian language shall be provided. All documents submitted to the Insurer shall be legibly written or printed on letterheads and have signatures of officials with appropriate stamps, as well as the name, address and 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 submitted in the original. Documents for insurance payment shall be submitted (sent by mail) directly to the Insurer's office in paper form in the original (except for those for which it is determined to submit 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. Calculation of insurance payment in hryvnias is carried out according to the NBU exchange rate 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 sum insured. If it is necessary to recalculate the expenses incurred in the currency of the sum insured, such recalculation shall be performed in accordance with the NBU exchange rate on the date of occurrence of the event. The insurer, as a tax intermediary, shall withhold and pay the relevant taxes and duties from the amount of insurance payment. The decision on insurance payment or refusal to pay out shall be made by the Insurer within 20 (twenty) working days from the day of receipt by the Insurer of all necessary documents provided in the manner prescribed by the terms and conditions of the contract. The Insurer shall make the Insurance Indemnity within 5 (five) banking days after making the decision to make the Insurance Indemnity. If there are reasons to doubt the validity (legality) of the insurance payment, the Insurer may postpone the decision on the payment until confirmation or refutation of such reasons is received for a period not exceeding 45 (forty-five) working days. The Insurer shall notify the Policyholder (Insured person, Beneficiary) in writing of the refusal to make the insurance payment or of the decision to postpone the decision to make the insurance payment to the e-mail address specified in the application for insurance payment within 5 (five) working days after the decision has been made, stating the motivation for the decision made or the reasons for the refusal, after which it shall send the decision by post.

In class 18 insurance benefit is calculated based on the following:

In class 18 risks the insurance benefit is calculated based on the following For Class 18 risks Insurance benefit for payment for medical or other services provided for in the insurance terms and conditions, organised by the Insurer for the Policyholder (Insured person), shall be paid by the Insurer without participation of the Insured person on the basis of invoices issued to the Insurer. If medical assistance to the Policyholder (Insured) has been provided without participation of the Insurer's Assisting Company and/or the medical institution refuses to receive full or partial guarantee from the Assisting Company, the Policyholder (Insured) shall incur such expenses independently and apply to the Insurer for their reimbursement. The deductible (if applicable) shall be deducted from the insurance indemnity amount

Class 1 insurance benefit is calculated on the basis of the following:

Class 1 insurance benefit is calculated on the basis of the following - in case of temporary loss of general labour capacity due to an accident - in the amount of 0.5% of the accident insurance sum for each day of documented health disorder, except for the period of rehabilitation treatment, starting from the sixth day, but in total not more than 30% of the insurance sum; - in case of primary disability as a result of an accident: І group - in the amount of 100% of the sum insured; Group II - in the amount of 75 per cent of the sum insured; Group III - in the amount of 60% of the sum insured. - in case of accidental death - in the amount of 100 per cent of the sum insured.

In class 7 the insurance payment is calculated on the basis of the following:

In class 7 the insurance payment is calculated on the basis of the following The amount of damage is determined for each item (piece of luggage) separately. The maximum sum insured for the baggage and the limits of insurance payments are specified in the individual part of the Offer. The amount of damage is determined based on the actual value of the item, insurance benefit limits and the sum insured for the baggage insurance as a whole. If the damaged object can be repaired for further use for its intended purpose, the amount of damage shall be deemed to be the cost of repair. If the cost of repair exceeds the value of the object itself or the sum insured specified in the contract, the indemnity shall be paid within the value of such object, but not more than the sum insured. If the lost luggage has been returned to the Policyholder (Insured), the Policyholder (Insured) shall return the received insurance indemnity to the Insurer less the repair costs (if necessary) of the returned item related to the insured event. The difference of the insurance indemnity shall be returned by the Policyholder (Insured) not later than 15 (fifteen) calendar days after the return of the luggage. If the Policyholder (Insured) has received indemnity from third parties for the lost or damaged luggage or its part, the Insurer shall pay the difference between the amount to be indemnified and the amount received from third parties. In case of loss of individual items included in a set, kit, etc., the amount of loss shall be determined as the difference between the actual value of the given set, kit, etc. and the value of the items that have survived The deductible (if applicable) shall be deducted from the insurance indemnity amount.

Class 16 insurance benefit is calculated on the basis of the following:

Class 16 insurance benefit is calculated on the basis of the following In case of trip cancellation (cancellation, refusal), the amount of insurance indemnity is calculated as the difference between the actually incurred expenses of the Policyholder (Insured person) for the purchase of the travel package, including the cost of travel documents, prepayment of accommodation costs, etc., and the amount returned by the subject of tourism activity and other service providers in accordance with the rates of penalties established by the providers of tourism and other services. A deductible of 20% shall be deducted from the insurance indemnity amount, unless another deductible amount is specified in the individual part of the insurance contract.
Failure to report the occurrence of an insured event in a timely manner without valid reasons may be an independent ground for refusal of the insurance benefit.

Failure to coordinate expenses (regardless of the amount) with the Assisting company related to medical transport of the Policyholder (Insured person), ritual rescue services shall be an independent ground for refusal of the insurance payment.

In case of failure to agree with the Assisting company on medical expenses in the amount exceeding 1000 u.u. of the Sum Insured currency, the Insurer shall make a payment in the amount not exceeding 1000 u.u. of the Sum Insured currency.

In case of non-payment of the insurance premium in the amount and within the terms specified in the contract, the contract shall be deemed not concluded and the insurance cover shall not be valid.
The product is not additional to other goods, works or services that are not insurable.
Discounts do not apply to this product and there are no promotional offers.

Effective from 09.01.2025


 

General terms and conditions of the insurance product ‘Travel insurance of travellers leaving Ukraine, contracts on which are concluded on the Insurer's website and on the websites of the Insurer's partners (except Polis.ua) “B2C sales” (with application of insurance packages)’. 

Information document on standard insurance product ‘Tourist insurance of travellers leaving Ukraine, contracts for which are concluded on the Insurer's website and on the websites of the Insurer's partners (except Polis.ua) “B2C sales” (with application of insurance packages)’. 

OFFER for conclusion of the electronic contract of complex insurance of persons travelling outside Ukraine, concluded under the terms and conditions of the general terms and conditions of the insurance product ‘Travel insurance of persons travelling outside Ukraine, contracts for which are concluded on the Insurer's website and on the websites of the Insurer's partners (except Polis.ua) “B2C sales” (with application of insurance packages)’.

 

 


Effective from 10.06.2024 to 08.01.2024


 

Insurance of expenses related to assistance (assistance) to persons travelling abroad in Ukraine 

IDSSP Insurance of expenses related to assistance (assistance) to persons travelling abroad of Ukraine 

ZUSP Accident insurance while travelling abroad or in Ukraine

IDSSP Insurance against accident while travelling abroad or within the territory of Ukraine  

ZUSP Baggage insurance 

IDSSP Baggage Insurance  

Financial Risk Insurance 

IDSSP Financial Risks Insurance 
 

 

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