‘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)’
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:
Ukraine (except for Class 1, 7, 16 risks), including temporarily occupied territories of Ukraine;
countries of permanent residence (for risks under class 18);
countries and localities where hostilities are taking place;
locations where a state of emergency or threat of natural disaster has been officially declared;
countries under UN supervision or sanction;
countries carrying out armed aggression against Ukraine (including the Russian Federation, the Republic of Belarus, etc.);
in the territory of Iran, North Korea, Myanmar, Syria.
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.
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.
Prior to entering into the Insurance Policy, the Policyholder shall provide the Insurer with information on circumstances that are essential for risk assessment.
Such information shall include:
- territory of validity (country of travel);
- insurance period and the desired number of insured days;
- number of trips during the insurance period;
- number of Insured persons;
- place of stay of the Insured (the Insured persons) at the time of concluding the insurance contract;
- purpose of the trip;
- age of the Insured person;
- amount and currency of the sum insured;
- application/non-application of the deductible;
- name of the insurance programme of the insurance product and/or insurance package (insurance product);
The above information shall be provided by the Insured to the Insurer by filling in the relevant data in electronic forms on the Insurer's/insurance intermediary's website or via the Insurer's/insurance agent's IT system or orally to the representative of the Insurer/insurance agent with whose participation the Insurance Agreement is concluded.
Please note that prior to entering into the insurance contract, the Insured MUST read the following information
- Exceptions to insured events and grounds for refusal to make insurance payments;
- limits of the Insurer's liability for a particular insurance object;
- insurance risk and/or insured event;
- the procedure for calculating and making insurance payments
This information is contained in the Information Document on the standard insurance product and the insurance product
‘Travel insurance for travellers outside Ukraine, contracts for which are concluded on the Insurer's website and on the websites of partners
Insurer's partners (except Polis.ua) ‘B2C sales’ (using insurance packages)’, which is relevant at the time of concluding the Agreement and is available
at the link https://eurotravelins.com.ua/upload/oferti/EuroAgent/KM/za_kordon_V2S/IDSSP_Paketne_strakhuvannja_KM.pdf , а саме:
as well as in ‘Travel insurance for travellers outside Ukraine, contracts for which are concluded on the Insurer's website and on the Insurer's partners’ websites (except Polis.ua) ‘B2C sales’ (using insurance packages)’, which is relevant at the time of concluding the Agreement
and available at the link https://eurotravelins.com.ua/upload/oferti/EuroAgent/KM/za_kordon_V2S/ZUSP_Paketne_KM1.pdf
