‘Travel insurance for citizens of Ukraine travelling through the territory of Ukraine, contracts for which are concluded on the website of the Insurer's website and on the websites of the Insurer's partners ‘B2C sales’ (using insurance packages)’
life, health, unforeseen losses, expenses or property of the Insured (the Insured
person) depending on the insurance risk.
Insurance of expenses related to the provision of assistance (assistance) to persons in difficult circumstances.
situation while travelling abroad in Ukraine includes:
1.
1. payment (compensation) for ambulance (emergency) assistance at the place of call, carrying out
primary diagnostic measures, provision of medical care with the use of medicines
to the extent necessary for the Insured's (the Insured person's) condition;
2.
2. payment (compensation) for the cost of medical care and treatment in
outpatient treatment; examination to the extent necessary to establish
diagnosis; medical consultations. At the same time, if the cost of treatment exceeds UAH 5000
The Insured (the Insured person) shall agree1 (reconcile) the expenses in writing with
Assistance Company and/or Insurer before the start of treatment. If the expenses have not been agreed upon in writing
agreed with the Assistance Company and/or the Insurer, the Insurer shall be liable only
within the limit of UAH 5000;
3.
3. payment of the cost of services related to inpatient treatment, i.e,
diagnostics, treatment, emergency surgery, medicines,
stay in standard wards, meals in accordance with the norms adopted in this
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
when the Insured's (the Insured person's) health condition, according to the doctor's decision, allows
to evacuate him/her to the permanent or preferred place of residence or place of registration.
In this case, if the cost of treatment exceeds UAH 5000, the Insured (the Insured person)
shall agree (coordinate) the expenses with the Assistance Company and/or the Insurer in writing
before the start of treatment. If the expenses have not been agreed upon in writing with the Assistance Company
and/or the Insurer, the Insurer shall be liable only within the limit of UAH 5000;
4.
4. payment (compensation) for the cost of medicines intended for emergency treatment or compensation for
expenses in case of independent purchase of medicines prescribed by a doctor in a pharmacy;
5. payment (compensation) for the cost of emergency dental care, namely: dental examination;
X-ray examination; removal or filling of teeth with temporary fillings, which are all
together or separately caused by acute inflammation of the soft tissues of the tooth and/or adjacent tissues,
or jaw injury caused by an accident, except for caries treatment;
6.
6. payment (compensation) of the cost of services for transporting the Insured (the Insured person) by land transport
(the Insured person) to a medical institution if the Insured's (the Insured person's) health condition
does not allow moving independently, in particular, but not exclusively in case of injuries, high temperature;
7.
7. payment (compensation) of expenses for continuation of treatment of the Insured (the Insured person) in a hospital
for up to 15 days after the expiry of the insurance contract, if it is necessary for medical reasons.
for medical reasons. However, the costs of medical evacuation shall not be covered. At the same time, if the cost of
of treatment exceeds UAH 5000, the Insured (the Insured person) shall agree in writing
(agree) the expenses with the Assistance Company and/or the Insurer before the start of treatment1.
If the expenses have not been agreed upon in writing with the Assistance Company and/or the Insurer,
the Insurer shall be liable only within the limit of UAH 5000;
8.
8. organisation (if possible) and payment (compensation) of the cost of a set of services related to
with transportation and medical support of the Insured (the Insured person),
who is undergoing inpatient treatment, from abroad to a medical institution
closest to the place of permanent or predominant residence or place of registration, provided that
provided that there are medical indications of the need for further inpatient treatment. Medical
evacuation of the Insured (the Insured person) shall be carried out only upon written consent of
Assistance Company and/or Insurer regardless of the amount of such expenses. The Insurer shall not indemnify for
expenses for continuation of treatment and rehabilitation of the Insured (the Insured person) after his/her
returning to the place of permanent or predominant residence or place of registration. If a doctor
authorised by the Insurer, considers that evacuation of the Insured (the Insured person) is possible,
and the Insured (the Insured person) refuses to do so, the Insurer shall immediately stop paying
the cost of treatment of the Insured (the Insured person);
9.
9. organisation (if possible) and payment of the cost of a set of services for transporting the body
(repatriation) of the Insured (the Insured person) to the place of permanent or predominant residence or place of registration, except for
residence or place of registration, except for transportation of the deceased Insured's (Insured person's) ashes
(the Insured person) after cremation. If local regulations require that the body is transported in a coffin, the Insurer shall arrange for
in a coffin, the Insurer shall arrange and pay for the purchase of such a coffin. A prerequisite for arranging
repatriation is the provision by the relatives of the deceased Insured (the Insured person) of a written
a written application confirming their readiness to take the body. Repatriation of the body of the Insured (the Insured person)
shall be carried out only upon written consent of the Insurer regardless of the amount of such expenses;
10.
10. payment (compensation) of the cost of services for burial of the Insured's (the Insured person's) body at the place of
of death. The body of the Insured (the Insured person) shall be buried only upon written
written consent of the Insurer regardless of the amount of such expenses;
11.
11. compensation for the cost of telephone services of the Insured (the Insured person) or a person
or a person representing his/her interests with the Insurer regarding notification of an insured event.
Written consent (agreement) shall mean sending to the Assistance Company and/or Insurer a notice of treatment and treatment estimate by Internet, fax or other means of electronic information transmission and receiving written consent (guarantee) from the Assistance Company and/or Insurer in the same way.
Accident insurance while travelling through the territory of Ukraine
includes:
- temporary loss of general working capacity by the insured (the insured person) for at
least 5 days,
as a result of an accident or
- Persistent loss of general working capacity by the insured (the insured person)
(establishment of primary
disability of group I, II or III) as a result of an accident or
- death of the policyholder (insured person) as a result of an accident
Insurance of expenses related to the provision of assistance (assistance) to
persons in difficulty
The situation when travelling abroad in Ukraine includes:
.
1. Payment (compensation) for ambulance (emergency) care at the place of call, primary
diagnostic tests
measures, provision of medical care with the use of medicines as necessary for the
condition
of the Insured (the Insured person) to the extent
2. payment (compensation) for the cost of medical care and treatment services in
outpatient settings;
examination to the extent necessary to establish the
diagnosis; consultations with doctors. At the same time, if the cost of treatment exceeds
UAH 5000, the Insured (the Insured person) shall agree1 (coordinate) the expenses in
writing with the Assistance Company and/or the Insurer before the start of treatment. If
the expenses have not been agreed upon in writing with the Assistance Company and/or the
Insurer, the Insurer shall be liable only within the limit of UAH 5000;
3. payment of the cost of services related to inpatient treatment, i.e.: medical
consultations, diagnostics, treatment, emergency surgery, medicines, stay in standard
wards, meals according to the standards adopted by 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 Insured's (the Insured
person's) health condition, as determined by a doctor, allows evacuation to the permanent
or preferred place of residence or place of registration. In this case, if the cost of
treatment
exceeds UAH 5000, the Insured (the Insured person) shall agree (coordinate) the expenses
in writing with the Assistance Company and/or the Insurer before the start of treatment.
If the expenses have not been agreed upon in writing with the Assistance Company and/or
the Insurer, the Insurer shall be liable only within the limit of UAH 5000;
4. payment (compensation) of the cost of medicines prescribed for emergency treatment
or compensation for expenses in case of independent purchase of medicines prescribed by
a doctor in a pharmacy;
7. payment (compensation) of expenses for continuation of treatment of the Insured (the
Insured person) in a hospital for up to 15 days after the expiry of the insurance contract,
if it is necessary for medical reasons. In this case, the costs of medical evacuation shall
not be covered. If the cost of treatment exceeds UAH 5,000, the Insured (the Insured
person) shall agree (coordinate) the costs in writing with the Assistance Company and/or
the Insurer before the start of treatment1. If the expenses have not been agreed upon in
writing with the Assistance Company and/or the Insurer, the Insurer shall be liable only
within the limit of UAH 5000;
8. organisation (if possible) and payment (compensation) of the cost of a set of services
related to transportation and medical support of the Insured (the Insured person)
undergoing inpatient treatment from abroad to a medical institution closest to the place of
permanent or predominant residence or place of registration, provided that there are
medical indications for the need for further inpatient treatment. Medical evacuation of the
Insured (the Insured person) shall be carried out only upon written consent of the
Assistance Company and/or the Insurer, regardless of the amount of such expenses. The
Insurer shall not indemnify for the costs of continuing treatment and rehabilitation of the
Insured (the Insured person) after his/her return to the place of permanent or
d o m i c i l e or place of registration. If a doctor authorized by the Insurer believes
that evacuation of the Insured (the Insured person) is possible and the Insured (the
Insured person) refuses to do so, the Insurer shall immediately stop paying for the cost of
treatment of the Insured (the Insured person).
persons);
.
9. organisation (if possible) and payment of the cost of a set of services for
transporting the body (repatriation) of the Insured (the Insured person) to the place of
permanent residence
or the place of residence or registration, except for transportation of the deceased
Insured's (the Insured person's) ashes after cremation. If local regulations require that
the body be transported in a coffin, the Insurer shall arrange and pay for the purchase of
such a coffin. A prerequisite for organising repatriation is that the relatives of the
deceased Insured (the Insured person) submit a written application confirming their
readiness to take the body. Repatriation of the Insured's (the Insured person's) body shall
be carried out only upon written consent of the Insurer regardless of the amount of such
expenses;
10. payment (compensation) of the cost of services for burying the body of the Insured
(the Insured person) at the place of death. The Insured's (the Insured person's) body
shall be buried only upon written consent of the Insurer regardless of the amount of
such expenses;
11. compensation for the cost of telephone communication services of the Insured (the
Insured person) or a person representing his/her interests with the Insurer regarding
notification of an insured event.
Written agreement (consent) shall mean sending to the Assistance Company and/or the Insurer
a notice of treatment and a treatment estimate by means of the Internet, fax or other means
of electronic transmission of information and receiving written consent (guarantee) from
the Assistance Company and/or the Insurer in the same way.
Accident insurance while travelling through the territory of Ukraine
includes:
- temporary loss of general working capacity by the insured (the insured person) for at
least 5 days as a result of an accident or
- persistent loss of general working capacity by the insured (the insured person)
(establishment of primary disability of group I, II or III) as a result of an accident or
death of the policyholder (insured person) as a result of an accident.
Baggage insurance shall include the fact that the Insured (the Insured person) has
incurred
by a person) damages
caused by damage, destruction or loss of luggage.
Insurance of expenses related to the provision of assistance (assistance) to
persons who find themselves in a difficult situation while travelling abroad in
Ukraine:
1. payment (compensation) for ambulance (emergency) care at the place of call, primary
diagnostic measures, provision of medical care with the use of medicines in the amount
necessary for the condition of the Insured (the Insured person);
2. payment (compensation) for the cost of medical care and treatment services in
outpatient settings; examination to the extent necessary to establish a diagnosis;
medical consultations. In this case, if the cost of treatment exceeds UAH 5,000, the
Insured (the Insured person) shall agree1 (coordinate) the expenses in writing with the
Assistance Company and/or the Insurer before the start of treatment. If the expenses
have not been agreed upon in writing with the Assistance Company and/or the Insurer,
the Insurer shall be liable only within the limit of UAH 5000;
3. payment of the cost of services related to inpatient treatment, i.e.: medical
consultations, diagnostics, treatment, emergency surgery, medicines, stay in standard
wards, meals according to the standards adopted by 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 Insured's (the Insured
person's) health condition, as determined by a doctor, allows evacuation to the permanent
or preferred place of residence or place of registration. In this case, if the cost of
treatment
exceeds UAH 5000, the Insured (the Insured person) shall agree (coordinate) the expenses
in writing with the Assistance Company and/or the Insurer before the start of treatment.
If the expenses have not been agreed upon in writing with the Assistance Company and/or
the Insurer, the Insurer shall be liable only within the limit of UAH 5000;
4. payment (compensation) of the cost of medicines prescribed for emergency treatment
or compensation for expenses in case of independent purchase of medicines prescribed by
a doctor in a pharmacy;
5. payment (compensation) for the cost of emergency dental care, namely: dental
examination; X-ray examination; removal or filling of teeth with temporary fillings,
which together or separately are caused by acute inflammation of the soft tissues of
the tooth and/or adjacent tissues, or jaw injury caused by an accident, except for
caries treatment;
7. payment (compensation) of expenses for continuation of treatment of the Insured (the
Insured person) in a hospital for up to 15 days after the expiry of the insurance contract,
if it is necessary for medical reasons. In this case, the costs of medical evacuation shall
not be covered. If the cost of treatment exceeds UAH 5,000, the Insured (the Insured
person) shall agree (coordinate) the costs in writing with the Assistance Company and/or
the Insurer before the start of treatment1. If the expenses have not been agreed upon in
writing with the Assistance Company and/or the Insurer, the Insurer shall be liable only
within the limit of UAH 5000;
8. arranging (if possible) and paying (compensating) for the cost of the service package,
expenses related to transportation and medical support of the Insured (the Insured person)
undergoing inpatient treatment from abroad to a medical institution closest to the place of
permanent or predominant residence or place of registration, provided that there are
medical indications for the need for further inpatient treatment. Medical evacuation of the
Insured (the Insured person) shall be carried out only upon written consent of the
Assistance Company and/or the Insurer, regardless of the amount of such expenses. The
Insurer shall not indemnify for the costs of continuing treatment and rehabilitation of the
Insured (the Insured person) after his/her return to the place of permanent or
d o m i c i l e or place of registration. If a doctor authorised by the Insurer believes
that evacuation of the Insured (the Insured person) is possible and the Insured (the
Insured person) refuses to do so, the Insurer shall immediately stop paying for the cost of
treatment of the Insured (the Insured person);
9. organisation (if possible) and payment of the cost of a set of services for
transporting the body (repatriation) of the Insured (the Insured person) to the place of
permanent residence
or the place of residence or registration, except for transportation of the deceased
Insured's (the Insured person's) ashes after cremation. If local regulations require that
the body be transported in a coffin, the Insurer shall arrange and pay for the purchase of
such a coffin. A prerequisite for organising repatriation is that the relatives of the
deceased Insured (the Insured person) submit a written application confirming their
readiness to collect the body. The body of the Insured (the Insured person) shall be
repatriated only upon written consent of the Insurer regardless of the amount of such
expenses;
10. payment (compensation) of the cost of services for burying the body of the Insured
(the Insured person) at the place of death. The Insured's (the Insured person's) body
shall be buried only upon written consent of the Insurer regardless of the amount of
such expenses;
11. compensation for the cost of telephone communication services of the Insured (the
Insured person) or a person representing his/her interests with the Insurer regarding
notification of an insured event.
12. payment (compensation) of the cost of medical care for sunburns, allergic
dermatitis of any origin
13. payment (compensation) for emergency medical care in case of exacerbation of chronic
diseases. In this case, if the cost of treatment exceeds UAH 5000, the Insured (the Insured
person) shall agree (coordinate) the costs in writing with the Assistance Company and/or
the Insurer before the start of treatment. If the expenses have not been agreed upon in
writing with the Assistance Company and/or the Insurer, the Insurer shall be liable only
within the limit of UAH 5000;
14. payment (compensation) for the cost of emergency gynaecological care
during pregnancy not exceeding 31 weeks;
.
15. payment (compensation) for the cost of medical expenses in case of preterm birth.
The event will be recognised as an insured event only if the preterm birth began at a
gestational age of no more than 31 weeks. In this case, the Insurer shall pay (indemnify)
the necessary medical expenses for outpatient and/or inpatient care, as well as medical
and transport expenses for transporting the Insured (the Insured person) to a medical
institution within the limit of liability specified in the individual part of the
insurance contract;
16. payment (compensation) for the cost of medical care for a newborn in case of preterm
birth, if it began at a gestational age of no more than 31 weeks. In this case, the Insurer
shall pay (indemnify) the necessary medical expenses for outpatient and/or inpatient care,
as well as medical and transport expenses within the limit of liability specified in the
individual part of the insurance contract;
17. payment (compensation) for the cost of medical care for diseases or injuries caused
by or in a state of alcohol intoxication (except for posthumous repatriation). In this
case, the Insurer shall indemnify for medical expenses for emergency medical care
necessary to prevent an immediate threat to life or health, or expenses related to acute
pain relief.
18. payment (compensation) for the cost of emergency medical care provided in case of
injuries or illnesses caused by terrorist acts, warfare and natural disasters, including
posthumous repatriation. In this case, if the cost of treatment exceeds UAH 5,000, the
Insured (the Insured person) shall agree (coordinate) the costs in writing with the
Assistance Company and/or the Insurer before the start of treatment. If the expenses have
not been agreed upon in writing with the Assistance Company and/or the Insurer, the Insurer
shall be liable only within the limit of UAH 5000. Medical evacuation and posthumous
repatriation require written approval;
.
19. reimbursement of expenses for the cost of doctor-prescribed fixation devices for
injuries. To.
fixation devices within the meaning of this paragraph include only crutches, orthoses,
bandages and tutors;
20. compensation for the cost of transportation of the Insured (the Insured person)
immediately after completion of inpatient treatment, by economy class to the place of
permanent or primary residence or place of registration in Ukraine after expiry of the
insurance contract, if the Insured missed his/her flight due to inpatient treatment. In
this case, medical evacuation is not covered;
22. reimbursement of expenses for early return by economy class to the place of permanent
or primary residence or place of registration, if necessary, escort of the Insured's (the
Insured person's) children under 16 years of age in case of hospitalisation or death of the
Insured (the Insured person) at the place of travel;
23. payment of expenses for search and rescue of the Insured (the Insured person) as a
result of an accident in the mountains, at sea, in the forest or other remote areas,
including transportation expenses, including by helicopter (if possible and available),
from the place of accident to the medical institution, provided that civil services and
organisations are allowed to such places and that such expenses are agreed with the
Insurer in writing.
Written agreement (consent) shall mean sending to the Assistance Company and/or the Insurer
a notice of treatment and a treatment estimate by means of the Internet, fax or other means
of electronic transmission of information and receiving written consent (guarantee) from
the Assistance Company and/or the Insurer in the same way.
Accident insurance while travelling through the territory of Ukraine
includes:
- temporary loss of general working capacity by the insured (the insured person) for at
least 5 days as a result of an accident or
- persistent loss of general working capacity by the insured (the insured person)
(establishment of primary disability of group I, II or III) as a result of an accident or
death of the policyholder (insured person) as a result of an accident.
Baggage insurance shall include the fact that the Insured (the Insured
person) has incurred losses caused by damage, destruction or loss of baggage.
Insurance of expenses related to provision of assistance (assistance) to persons in
difficulty while travelling abroad in Ukraine includes:
1. payment (compensation) for ambulance (emergency) care at the place of call, primary
diagnostic measures, provision of medical care with the use of medicines in the amount
necessary for the condition of the Insured (the Insured person);
2. payment (compensation) for the cost of medical care and treatment services in
outpatient settings; examination to the extent necessary to establish a diagnosis;
medical consultations. In this case, if the cost of treatment exceeds UAH 5,000, the
Insured (the Insured person) shall agree1 (coordinate) the expenses in writing with the
Assistance Company and/or the Insurer before the start of treatment. If the expenses
have not been agreed upon in writing with the Assistance Company and/or the Insurer,
the Insurer shall be liable only within the limit of UAH 5000;
3. payment of the cost of services related to inpatient treatment, i.e.: medical
consultations, diagnostics, treatment, emergency surgery, medicines, stay in standard
wards, meals according to the standards adopted by 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 Insured's (the Insured
person's) health condition, as determined by a doctor, allows evacuation to the permanent
or preferred place of residence or place of registration. In this case, if the cost of
treatment
exceeds UAH 5000, the Insured (the Insured person) shall agree (coordinate) the expenses
in writing with the Assistance Company and/or the Insurer before the start of treatment.
If the expenses have not been agreed upon in writing with the Assistance Company and/or
the Insurer, the Insurer shall be liable only within the limit of UAH 5000;
4. payment (compensation) for the cost of medicines prescribed for emergency treatment
or compensation for expenses in case of independent purchase of medicines prescribed by
a doctor in a pharmacy;
7. payment (compensation) of expenses for continuation of treatment of the Insured (the
Insured person) in a hospital for up to 15 days after the expiry of the insurance contract,
if it is necessary for medical reasons. In this case, the costs of medical evacuation shall
not be covered. However, if the cost of treatment exceeds UAH 5000
The Insured (the Insured person) shall agree (coordinate) the expenses with the Assistance
Company and/or the Insurer in writing before the start of treatment. If the expenses have
not been agreed upon in writing with the Assistance Company and/or the Insurer, the Insurer
shall be liable only within the limit of UAH 5000;
.
8. organisation (if possible) and payment (compensation) of the cost of a set of services
related to transportation and medical support of the Insured (the Insured person)
undergoing inpatient treatment from abroad to a medical institution closest to the place of
permanent or predominant residence or place of registration, provided that there are
medical indications for the need for further inpatient treatment. Medical evacuation of the
Insured (the Insured person) shall be carried out only upon written consent of the
Assistance Company and/or the Insurer, regardless of the amount of such expenses. The
Insurer shall not indemnify for the costs of continuing treatment and rehabilitation of the
Insured (the Insured person) after his/her return to the place of permanent or
d o m i c i l e or place of registration. If a doctor authorised by the Insurer believes
that evacuation of the Insured (the Insured person) is possible and the Insured (the
Insured person) refuses to do so, the Insurer shall immediately stop paying for the cost of
treatment of the Insured (the Insured person);
9. organisation (if possible) and payment of the cost of a set of services for
transporting the body (repatriation) of the Insured (the Insured person) to the place of
permanent residence
or the place of residence or registration, except for transportation of the deceased
Insured's (the Insured person's) ashes after cremation. If local regulations require that
the body be transported in a coffin, the Insurer shall arrange and pay for the purchase of
such a coffin. A prerequisite for arranging repatriation is that the relatives of the
deceased Insured (the Insured person) submit a written application confirming their
readiness to pick up the body. The body of the Insured (the Insured person) shall be
repatriated only upon written consent of the Insurer regardless of the amount of such
expenses;
10. payment (compensation) of the cost of services for burying the body of the Insured
(the Insured person) at the place of death. The Insured's (the Insured person's) body
shall be buried only upon written consent of the Insurer regardless of the amount of
such expenses;
11. compensation for the cost of telephone communication services of the Insured (the
Insured person) or a person representing his/her interests with the Insurer regarding
notification of an insured event.
12. reimbursement of expenses for transportation of the Insured's (the Insured person's)
car, which was used for the trip and became unfit for further use as a result of sudden
technical breakdown or road traffic accident (RTA), to the nearest service station.
Insurance conditions under this clause shall apply only to the Insured (the Insured
person) travelling by their own technically sound car, the service life of which is not
more than 5 years (determined from the date of issue).
13. indemnity for the cost of travel of the driver and passengers who are the Insured
and/or the Insured persons under the terms and conditions of the insurance contract to the
place of permanent or primary residence or place of registration, if the car they are
travelling in is stolen or damaged as a result of an accident and its further operation is
impossible. The cost of travel in economy class by regular public transport, except for air
and taxi, shall be indemnified. Insurance terms and conditions under this clause shall
apply only to the Insured (the Insured person) travelling by their own technically sound
car, the service life of which is not more than 5 years (determined from the date of
issue);
14. compensation of expenses for elimination of sudden technical breakdown or damage as
a result of an accident of the Insured's (the Insured person's) car used for travelling,
or the cost of temporary storage in a guarded parking lot if it is impossible to repair
it. Insurance conditions under this clause shall apply only to the Insured (the Insured
person) travelling by own technically sound car with the service life not exceeding 5
years (determined from the date of issue);
15. reimbursement of expenses for engaging a lawyer to protect the rights of the
Insured (the Insured person) during administrative or judicial proceedings to protect
the rights of the Insured (the Insured person) after an accident that occurred with
his (her) participation.
Written agreement (consent) shall mean sending to the Assistance Company and/or the
Insurer a notice of treatment and a treatment estimate by means of the Internet, fax or
other means of electronic transmission of information and receiving from
the Assistance Company and/or the Insurer in writing in the same way.
Accident insurance while travelling through the territory of Ukraine
includes:
- temporary loss of general working capacity by the insured (the insured person) for at
least 5 days as a result of an accident or
- persistent loss of general working capacity by the insured (the insured person)
(establishment of primary disability of group I, II or III) as a result of an accident or
- death of the policyholder (insured person) as a result of an accident.
Insurance of expenses related to the provision of assistance (assistance) to
persons who find themselves in a difficult situation while travelling abroad in
Ukraine:
1. payment (compensation) for ambulance (emergency) care at the place of call, primary
diagnostic measures, provision of medical care with the use of medicines in the amount
necessary for the condition of the Insured (the Insured person);
2. payment (compensation) for the cost of medical care and treatment services in
outpatient settings; examination to the extent necessary to establish a diagnosis;
medical consultations. In this case, if the cost of treatment exceeds UAH 5,000, the
Insured (the Insured person) shall agree1 (coordinate) the expenses in writing with the
Assistance Company and/or the Insurer before the start of treatment. If the expenses
have not been agreed upon in writing with the Assistance Company and/or the Insurer,
the Insurer shall be liable only within the limit of UAH 5000;
3. payment of the cost of services related to inpatient treatment, i.e.: medical
consultations, diagnostics, treatment, emergency surgery, medicines, stay in standard
wards, meals according to the standards adopted by 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 Insured's (the Insured
person's) health condition, as determined by a doctor, allows evacuation to the permanent
or preferred place of residence or place of registration. In this case, if the cost of
treatment
exceeds UAH 5,000, the Insured (the Insured person) shall in writing
to agree (coordinate) expenses with the Assistance Company and/or the Insurer before the
start of treatment. If the expenses have not been agreed upon in writing with the
Assistance Company and/or the Insurer, the Insurer shall be liable only within the limit of
UAH 5000;
4. payment (compensation) of the cost of medicines prescribed for emergency treatment
or compensation for expenses in case of independent purchase of medicines prescribed by
a doctor in a pharmacy;
7. payment (compensation) of expenses for continuation of treatment of the Insured (the
Insured person) in a hospital for up to 15 days after the expiry of the insurance contract,
if it is necessary for medical reasons. In this case, the costs of medical evacuation shall
not be covered. If the cost of treatment exceeds UAH 5,000, the Insured (the Insured
person) shall agree (coordinate) the costs in writing with the Assistance Company and/or
the Insurer before the start of treatment1. If the expenses have not been agreed upon in
writing with the Assistance Company and/or the Insurer, the Insurer shall be liable only
within the limit of UAH 5000;
8. organisation (if possible) and payment (compensation) of the cost of a set of services
related to transportation and medical support of the Insured (the Insured person)
undergoing inpatient treatment from abroad to a medical institution closest to the place of
permanent or predominant residence or place of registration, provided that there are
medical indications for the need for further inpatient treatment. Medical evacuation of the
Insured (the Insured person) shall be carried out only upon written consent of the
Assistance Company and/or the Insurer, regardless of the amount of such expenses. The
Insurer shall not indemnify for the costs of continuing treatment and rehabilitation of the
Insured (the Insured person) after his/her return to the place of permanent or
d o m i c i l e or place of registration. If a doctor authorised by the Insurer believes
that evacuation of the Insured (the Insured person) is possible and the Insured (the
Insured person) refuses to do so, the Insurer shall immediately stop paying for the cost of
treatment of the Insured (the Insured person);
9. organisation (if possible) and payment of the cost of a set of services for
transporting the body (repatriation) of the Insured (the Insured person) to the place of
permanent residence
or the place of residence or registration, except for transportation of the deceased
Insured's (the Insured person's) ashes after cremation. If local regulations require that
the body be transported in a coffin, the Insurer shall arrange and pay for the purchase of
such a coffin. A prerequisite for arranging repatriation is that the relatives of the
deceased Insured (the Insured person) submit a written application confirming their
readiness to pick up the body. The body of the Insured (the Insured person) shall be
repatriated only upon written consent of the Insurer regardless of the amount of such
expenses;
10. payment (compensation) of the cost of services for burying the body of the Insured
(the Insured person) at the place of death. The Insured's (the Insured person's) body
shall be buried only upon written consent of the Insurer regardless of the amount of
such expenses;
11. compensation for the cost of telephone communication services of the Insured (the
Insured person) or a person representing his/her interests with the Insurer regarding
notification of an insured event.
12. reimbursement of expenses for payment for fixation devices prescribed by a doctor in
case of injuries. Fixation devices within the meaning of this clause include only crutches,
orthoses, bandages and tutors;
13. payment of the cost of hyperbaric therapy
14. compensation for the cost of transportation of the Insured (the Insured person)
immediately after completion of inpatient treatment, by economy class to the place of
permanent or primary residence or place of registration in Ukraine after expiry of the
insurance contract, if the Insured missed his/her flight due to inpatient treatment. In
this case, medical evacuation is not covered;
16. compensation of expenses for judicial or out-of-court settlement of a dispute
and/or obtaining other services (assistance) as a result of damage to life and health
of third parties caused as a result of unintentional and negligent actions of the
Insured (the Insured person). The existence of intent (fault) shall be established in
accordance with the legislation of Ukraine.
17. compensation of expenses for judicial or out-of-court settlement of a dispute
and/or obtaining other services (assistance) as a result of damage to property of third
parties caused as a result of unintentional and negligent actions of the Insured (the
Insured person). The existence of intent (fault) shall be established in accordance
with the legislation of Ukraine.
18. reimbursement of expenses for judicial or out-of-court settlement of a dispute
and/or obtaining other services (assistance) as a result of losses incurred to the
rental service provider due to unintentional damage to sports equipment hired by the
Insured (the Insured person). The existence of intent (fault) shall be established in
accordance with the legislation of Ukraine.
Written agreement (consent) shall mean sending to the Assistance Company and/or the Insurer
a notice of treatment and a treatment estimate by means of the Internet, fax or other means
of electronic transmission of information and receiving written consent (guarantee) from
the Assistance Company and/or the Insurer in the same way
Accident insurance while travelling through the territory of Ukraine
includes:
- temporary loss of general working capacity by the insured (the insured person) for at
least 5 days as a result of an accident or
- persistent loss of general working capacity by the insured (the insured person)
(establishment of primary disability of group I, II or III) as a result of an accident or
- death of the policyholder (insured person) as a result of an accident.
Insurance contracts shall not be concluded in respect of the following persons:
.
● with individuals over 80 years of age (except in cases of individual agreement with the
Insurer)
● by citizens of countries other than Ukraine.
● recognised as legally incapacitated;
.
When insuring persons aged 65 and over, surcharges are applied.
The insurance contract for risks under class 18 related to travel by private car is valid
only for
in relation to the Insured (the Insured persons) travelling by their own
technically sound passenger car, the service life of which is not more than 5 years
(determined from the date of issue).
Insurance coverage is not valid:
.
- on the territories of Ukraine where active hostilities are taking place;
.
- in the area where a state of emergency or a threat of natural disaster is officially
declared, unless otherwise specified in the insurance terms and conditions
- in the locality where the Insured (the Insured person) permanently or mainly resides,
as well as the locality where the Insured (the Insured person) is registered.
An insurance contract for risks under class 7 may be concluded for a period not exceeding
30 days. If a longer term is determined, the insurance cover will be valid for the first 30
days from the date of commencement of the insurance term (period).
The Contract in terms of insurance of risks for 7th class (baggage) does not apply
to:
.
• fur products, jewellery, printing devices, cinema, photo and video equipment,
laptops, mobile phones, etc. and any accessories to them
• jewellery, securities, cash, bank payment cards and funds on accounts
• precious metals, precious and semi-precious stones
• antique and unique products, works of art and collectibles
• travel documents, any types of documents, slides, photographs, film
copies
• manuscripts, plans, diagrams, drawings, models, business papers
• any types of prostheses, contact lenses;
.
• wrist and pocket watches;
.
• motor vehicles, motorcycles, bicycles, air and water transport, as well as spare
parts for them
• objects of religious worship;
At
the same time, the following 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 very rare products,
works of art;
• antique - ancient objects of great artistic or other value;
.
• spare parts - any components, parts, parts and accessories for vehicles,
mechanisms, electronic equipment, etc.
The minimum and maximum sum insured for this insurance product may be as follows
For class 18: 50,000 or 100,000 hryvnias
For class 1: 5,000 or 10,000 hryvnias
.
For class 7: 5000 or 10 000 hryvnias
Upon occurrence of an insured event, the sum insured shall be reduced each time by the
amount of insurance payments made 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 terminate in full or for a separate
insurance product.
The limit of liability for class 18.1 is determined as a percentage of the insured amount
amount or in a fixed amount in hryvnia, depending on the insurance risk, and shall be
specified in the individual part of the insurance contract in the insurance agreement (if
applicable).
When choosing the "Economy" package:
The minimum and maximum insurance rates are 0.02% per day and 21.9%, respectively.
The minimum and maximum insurance premium per person is UAH 11 per day and UAH 12045 per
year
When choosing the "Standard" package:
The minimum and maximum insurance rates are 0.024% and 23.73%, respectively. The
minimum and maximum insurance premium per person is UAH 13 per day and UAH 14235 per
year
When choosing the Full Coverage package:
The minimum and maximum insurance rates are 0.03% and 32.85%, respectively. The minimum
and maximum premium per person is UAH 36 per day and UAH 39,420 per year.
When choosing the package "Travelling by your own car":
.
The minimum and maximum insurance rates are 0.025% and 26.88%, respectively. The
minimum and maximum premium per person is UAH 27 per day and UAH 29,565 per year.
When choosing the package "Active tourism":
.
The minimum and maximum insurance rates are 0.073% and 79.64%, respectively. The
minimum and maximum premium per person is UAH 40 per day and UAH 43,800 per year.
An unconditional deductible and a time deductible can be applied
The amount of the unconditional deductible is determined in the individual part of the
insurance contract by class of insurance and/or individual insurance risks within a
particular class of insurance.
Unless otherwise specified in the individual part of the insurance contract, the
unconditional deductible shall be as follows
For the 7th class, the insurance is 10%
For insurance risks of insurance class 18 related to the services of a lawyer, the
deductible is 10%
For insurance risks of insurance class 18 related to alcohol consumption, a deductible of
UAH 500 of the sum insured shall be applied for each individual case
If the insurance contract is concluded while travelling less than two days before the start
of the insurance period, a time deductible of 48 hours will be applied, which starts from
the day following the day specified as the start of the insurance period
The territory of insurance coverage is specified in the individual part of the
insurance contract as the geographical zone of Ukraine.
At the same time, the insurance contract concluded on these terms and conditions does not
apply to:
.
- the temporarily occupied territories of Ukraine;
- the territories of Ukraine where active hostilities are taking place;
- areas where a state of emergency or a threat of a natural disaster has been
officially declared, unless otherwise specified in the insurance terms and conditions;
- the settlement where the Insured (the Insured person) permanently or
mainly resides, as well as the settlement where the Insured (the Insured person)
is registered.
Start and end of the contract period
For Class 18 risks:
.
1. The insurance contract must be concluded before the start of the trip, i.e. before
departure from the permanent or domicile (place of registration);
2. The term (or period) of insurance and the number of days insured shall be
selected
By the Insured independently;
3. In case of conclusion of the insurance contract before the start of the
Insured's (the Insured person's) trip, the nearest date of the beginning of the insurance
term (period) may be 00 hours 00 minutes of the next day after the date of conclusion of
the insurance contract or be a later date. In this case, the insurance cover and the number
of insured days shall commence on the day specified as the beginning of the insurance term
(period) (on the date that is later), but not earlier than the moment of payment of the
insurance premium.
4. In case of concluding the insurance contract during the Insured's (the Insured
person's) trip, the Insured shall take into account that the insurance contract shall be
concluded two days before the desired date of commencement of the insurance term (period)
If the start of the insurance period chosen by the Insured is earlier than the one
specified in the first part of this clause, in order to avoid fraudulent actions, the
insurance cover shall take effect 48 hours after the date specified as the start of the
insurance period, which shall start from the next day specified as the start of the
insurance period. At the same time, coverage of expenses for medical services rendered in
connection with an accident will be subject to the following:
- medical services are provided starting from the next day of the date specified as
the beginning of the insurance period;
- the accident occurred not earlier than the date and time of the insurance
contract conclusion and the day specified as the beginning of the insurance period;
The insurance premium has been paid in full.
The period of the time deductible shall be included in the total term of the contract. All
events and services occurring or provided during the time deductible period, except for the
provision of services described in this clause in connection with an accident, shall not be
considered insured and shall not be covered;
In case of compliance with the requirements for concluding the contract and determining the
beginning of the insurance period set out in part one of this clause, the insurance
coverage and counting of the number of insured events shall begin on the date specified as
the beginning of the insurance period
5. The insurance cover shall expire at the moment of return of the Insured (the
Insured person) to the permanent (predominant) place of residence (place of
registration) or at 24 hours of Kyiv time on the day specified as the end of the
insurance term (period) with mandatory consideration of the time deductible and the
number of insured days (by the date that came earlier).
The minimum number of insured days can be 3 Maximum - 365 days
.
For class 1 risks:
.
The insurance contract shall commence from the moment the Insured (the Insured person)
boards the vehicle at the point of departure indicated in the ticket, etc., but not before
the beginning of the insurance period specified in the individual part of the insurance
contract and payment of the insurance premium, and shall end at the final point of travel
indicated in the travel service contract or upon disembarkation from the vehicle in
Ukraine or expiry of the insurance period with mandatory consideration of the number of
insured days (as of the date of
The minimum number of insured days can be 3. The maximum is 365
days.
.
For class 7 risks:
.
The contract shall commence from the moment the baggage is handed over to the carrier, but
not earlier than the date specified in the individual part of the insurance contract as the
beginning of the insurance period and payment of the insurance premium. The contract shall
expire upon receipt of the baggage from the carrier, but not later than the end of the
insurance period specified in the individual part of the insurance contract (taking into
account the number of insured days)
The minimum number of insured days can be 3. The maximum is 30
days.
The Insurer shall not pay or indemnify for the cost of treatment and services related
to such diseases and events:
- treatment of chronic diseases (unless otherwise provided by the insurance package
chosen by the Insured), congenital anomalies (malformations), deformations and chromosomal
disorders, autoimmune diseases, cholelithiasis, urolithiasis, and related complications
(gallbladder empyema, renal hydronephrosis, etc.), even if they manifested periodically or
were detected for the first time. At the same time, acute pain relief until the condition
is stabilised is covered, except for surgical intervention;
- neoplasms (including cancer), diseases of the endocrine system, diabetes
mellitus, even if they were detected for the first time;
- venereal diseases, immunodeficiency, AIDS;
- diseases of the blood and blood-forming organs;
- epidemic and pandemic diseases;
- testing for COVID-19 at the request of the Insured (the Insured person) without a
referral from the attending physician if the result is negative;
- medical care during pregnancy (except for ectopic pregnancy) and childbirth, if
such risks are not covered by the insurance package;
- any health disorders, complications or death due to failure to comply with the
recommendations of the attending physician, side effects of medicines that were not
prescribed by a physician, as well as side effects of food additives;
- diseases and disorders of the hearing organs, except for acute diseases of the
hearing organs. Also, expenses related to the rinsing of the auricle (sulphur plugs, water
ingress, etc.) are not covered;
Eye diseases associated with improper 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 chosen by the Insured;
Insect bites, jellyfish stings, seaweed stings
- injuries or illnesses that occurred before the start of the insurance period, on
the day or before the conclusion of the insurance contract and/or on the territory of the
permanent or domicile or place of registration, even if they were detected for the first
time, which led to medical or additional expenses during the trip, as well as illnesses
that occurred after the Insured (the Insured person) returns from the trip;
- injuries or diseases, medical expenses incurred (incurred) during the time
deductible;
- further treatment of the Insured (the Insured person) if he/she refuses medical
evacuation to the place of permanent or predominant residence or place of registration. The
Parties agree that a telephone recording of a conversation between the Insured (the Insured
person) or his/her relatives and the Assistance Company or the Insurer regarding refusal of
medical evacuation shall be deemed to be equivalent to a written refusal and may be used by
the Insurer as evidence in case of disputes;
A medical examination that is not a result of acute pain, sudden illness and
bodily injury; provision of services that are not reasonably necessary or urgent from a
medical point of view (including control examinations by a doctor); examination
(consultation) by a doctor that results in no treatment or is not included in the treatment
prescribed by a doctor; provision of special services such as a separate room, telephone,
TV, 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
before the end of the trip, etc;
High-tech manipulations and operations, including but not limited to heart and blood
vessels, including angiography, coronary angiography, angioplasty, bypass surgery,
stenting, installation of an artificial pacemaker,
as well as
plastic
surgery on
joints and ligaments, including atroscopic diagnostic and surgical interventions,
etc;
- diagnostic services: consultations, laboratory tests and other measures not
prescribed by a doctor and/or the Assistance Company as necessary to establish a diagnosis
for the purpose of further treatment;
- preventive vaccinations;
- conducting 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 transplantation;
- dental treatment, except as specified in the insurance package;
- physiotherapy, rehabilitation treatment and treatment with alternative methods;
- medical recreation, sanatorium and health treatment, as well as spa treatments;
.- purchase or repair of auxiliary aids (such as pacemakers, glasses, contact
lenses, hearing aids, inhalers, prostheses, crutches, wheelchairs, measuring devices,
bandages, tutors, etc.), means for metal osteosynthesis (pins, screws, plates, pins and
similar materials), purchase of general health products, hygiene products, baby food,
unless otherwise provided for in the terms and conditions of the insurance package chosen
by the Insured;
- artificial insemination, infertility treatment, measures to prevent pregnancy;
Treatment of alcoholism, drug addiction, etc., including treatment of withdrawal symptoms;
- medical evacuation, repatriation, burial at the place of travel, rescue
operations organised without written consent (agreement) with the Assistance Company and/or
Insurer regardless of the amount of expenses;
- expenses when the trip was made with the intention of receiving treatment;
Self-medication, as well as treatment carried out by spouses, parents or children;
The need for individual care, patronage, and security,
- expenses for accommodation (except if such grounds are provided for in the
insurance terms and conditions), meals, etc. including during self-isolation, quarantine,
observation, etc. and during outpatient treatment;
- for continuation of treatment of the Insured (the Insured person) after his/her
return from a trip to the place of permanent or temporary stay (residence) or place of
registration, and also expenses covered by social, health insurance and other provision are
not indemnified;
- expenses in the amount of more than UAH 5000 shall not be indemnified for which
prior written approval (coordination) with the Assistance Company and/or the Insurer is
required, and such approval (coordination) has not been made;
- purchase of food, drinks, decorative cosmetics, jewellery, etc;
- non-pecuniary damage;
Transportation of the urn with the ashes of the deceased Insured (the Insured person);
- cases provided for in programme C, which are related to travelling by your own
car, the service life of which is more than 5 years;
- other events and cases specified in these terms and conditions or applicable law;
- other events, services and/or expenses that are not included in the insurance
programme chosen by the Insured or occurred before or after the expiry of the insurance
period or not in the territory of the agreement.
- diseases that are not the result of an accident of the Insured (the Insured
person) (except for tetanus, rabies, encephalitis transmitted by tick bites);
- medical recreation, rehabilitation, sanatorium and health treatment, as well as
spa treatments;
- an accident caused by a disease resulting from a mental reaction to military
events, internal unrest, a terrorist act, a plane crash or fears related to such events;
- an accident that occurred as a result of chronic or mental illness, even if they
manifest themselves periodically;
- insurance of persons over the established age limit;
- injuries or illnesses due to an accident that occurred as a result of a road
traffic accident, including when using a car, bicycle, motorcycle, moped, hydro and ATV,
jet ski, snowmobile, boat, motorboat, etc., if
- The Insured (the Insured person) was driving a vehicle without a valid
driver's licence
- The Insured (the Insured person) was driving under the influence of alcohol, drugs or
toxic substances, or under the influence of psychotropic and toxic substances; the
Insured (the Insured person) transferred driving to another person who did not have a
relevant driving licence;
- The Insured (the Insured person) was in the vehicle as a passenger, except for public
transport driven by a person under the influence of alcohol, drugs or toxic substances, or
under the influence of psychotropic and toxic substances;
- The Insured (the Insured person) has neglected and failed to use safety (protection)
equipment, either together or separately, such as a seat belt, helmet, helmet, life
jacket, as well as other safety equipment provided for by the vehicle operation rules;
- events that occurred before the conclusion of the insurance contract or before
the start of the insurance period, as well as those that occurred after the end of the
insurance period or not in the territory of the contract;
- death of the Insured (the Insured person), which is not a result of an accident;
- other events and cases specified in section 4 of chapter 1 of Annex 1 to the
Offer The Insurer shall not make insurance payments related to compensation for nonpecuniary damage
No compensation shall be paid for losses caused by the following reasons:
- inattention or gross negligence of the Insured (the Insured person);
- inadequate packaging (sealing) or sending baggage in a damaged condition;
- special properties or natural qualities of the insured baggage, normal wear and
tear, natural deterioration, mould; electrical or mechanical malfunctions of audio or video
equipment, etc;
- breakage or damage to products made of faience, porcelain, glass, musical
instruments and other fragile items;
- damage caused by acids, paints, aerosols, medicines and any liquids carried in
the baggage;
- other events and cases specified in Section 4 of Chapter 1 of Appendix 1 to the
Offer.
- The Insurer does not make insurance payments related to compensation
for non-pecuniary damage.
The Agreement does not apply to:
- fur products, jewellery, printing devices, cinema, photo and video equipment,
laptops, mobile phones, etc. and any accessories to them;
- jewellery, securities, cash, bank payment cards and funds on accounts;
- precious metals, precious and semi-precious stones;
- antique and unique products, works of art and collectibles;
- travel documents, any kind of documents, slides, photographs, film
copies;
Manuscripts, plans, diagrams, drawings, models, business papers;
- any types of prostheses, contact lenses;
- wrist and pocket watches;
- animals, plants and seeds, food;
- objects of religious worship;
Personal care products, decorative cosmetics
Acknowledged:
- 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 their qualities or very rare products,
works of art;
- antique - ancient objects of great artistic or other value;
- spare parts - any components, parts, parts and accessories for vehicles,
mechanisms, electronic equipment, etc.
● intentional actions or omissions of the Insured (the Insured person) aimed at
occurrence of the 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;
● commission of an intentional criminal offence by the Insured (the Insured person)
that has led to the occurrence of an insured event;
● submission by the Insured, the Insured person or the person in whose favour the
insurance payment is to be made, of knowingly false information about the object of
insurance, location of the Insured (the Insured person) as of the date of conclusion of
the insurance contract, or about the fact and causes of the insured event. The proof of
the location of the Insured (the Insured person) on the date of concluding the contract
shall be the relevant border crossing stamps in the passport for travelling abroad;
● creating obstacles for the Insurer in determining the circumstances, nature and
amount of losses;
● untimely notification of the Insurer of the insured event without valid reasons
and/or failure of the Insured (the Insured person) to fulfil its obligations under the
contract or legislation, if this has resulted in the Insurer's inability to establish the
fact, causes and circumstances of the insured event or the amount of damage (loss);
● Failure to timely submit to the Insurer a written claim for insurance indemnity
and other documents specified in the insurance contract;
● Failure to comply with the Insurer's instructions in the course of settlement of
an insured event;
● chronic, except if such events are stipulated by the terms and conditions of the
insurance product, and mental illnesses, even if they are detected for the first time or
manifest themselves periodically;
● performance by the Insured (the Insured person) of any type of physical work,
active tourism, sports and extreme sports, if such risks have not been insured and the
relevant extra charges 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
limits of liability for risks under class 18 are 100%, except for the following
risks:
for the insurance risk "emergency dental care" the limit of insurance payment does
not exceed 1% of the sum insured
The insurance risk "compensation for the cost of telephone services" is subject to an
insurance indemnity limit not exceeding UAH 100 of the currency of the sum insured
for the insurance risk "search and rescue of the Insured person", "exacerbation of
chronic diseases", "pregnancy and childbirth up to 31 weeks, newborn care", the insurance
indemnity limit is provided not exceeding 20% of the sum insured
The insurance risk associated with alcohol consumption is subject to an insurance
payout limit not exceeding 10% of the sum insured
For the insurance risk related to payment for accommodation - up to UAH 1000 per day, but
not more than 5 days
Insurance risks related to travelling by private car are subject to a payout limit
of up to UAH 10,000 under the contract as a whole'
The insurance risk "damage to property of third parties" is subject to an insurance
indemnity limit not exceeding 25% of the sum insured
The insurance risk "damage to the hired inventory" is subject to an
insurance indemnity limit not exceeding 5% of the sum insured
If medical expenses in the amount of more than UAH 5000 are not agreed with the Assistance
Company, the Insurer shall pay out in the amount not exceeding UAH 5000
Limits of liability for risks by class 1:
- temporary loss of general working capacity by the insured (the insured person),
the limit of liability is no more than 30%;
- permanent disability, namely the establishment of disability as a result of an
accident:
Group III - 60%;
Group II - 75%;
Group I - 100%.
1. death - 100 per cent
Limits of liability for class 7:
100% of the sum insured
The Insured (the Insured person) shall, within 30 calendar days from the earlier
event, namely the end of the trip during which the Insured event occurred or expiry of the
Insurance period, submit to the Insurer an application for insurance payment in the form
established by the Insurer, which can be downloaded from the Insurer's website.
The application for insurance indemnity shall be attached to the claim:
- insurance contract;
- a duly certified copy of the Insured's (the Insured person's) national passport
(all pages with stamps) or ID card;
- a duly certified copy of the certificate of assignment of the identification
number to the Insured (the Insured person);
- a duly certified copy of the document confirming the place of registration of the
Insured (the Insured person) (for ID cards);
In case of death of the Insured (the Insured person) as a result of an accident - duly
certified copies of the Beneficiary's national passport and
a certificate of assignment of an identification number; a copy of the death certificate;
the original or a notarised copy of the certificate of inheritance;
- in case of insurance payment to the legal representative (guardian) - duly
certified copies of the national passport of the legal representative (guardian) and
certificate of assignment of an identification number, birth certificate of the Insured
Person; document confirming the establishment of guardianship over the Insured Person;
- bills for telephone calls with the Insurer, which indicate the telephone number
and cost of each call;
- a medical document (on the letterhead or with the appropriate stamp of the
medical institution of the country of travel) on receiving medical care during the trip
with the following information the patient's name, exact diagnosis, date of seeking medical
assistance, duration of treatment, detailed information on medical services provided,
diagnostics, prescribed medicines with indication of their quantity and cost, as well as
information on the Insured's (the Insured person's) state of alcoholic, narcotic or toxic
intoxication;
- invoices, receipts for payment for medical services and/or for the purchase of
medicines;
- in case of injury or road traffic accident - official protocol or certificate of
the event drawn up at the place of travel, which must contain the following information
officials certifying the fact of the event and their powers to perform such actions;
addresses and/or telephone numbers of persons certifying the fact of the event; detailed
description of the circumstances of the event and the role of the Insured (the Insured
person) in it; state of the Insured (the Insured person) in relation to alcohol, drug or
toxic intoxication;
additionally under class 1 (accident insurance)
- in case of continuation of treatment after returning from a trip - a certificate
from a medical institution from the place of permanent or predominant residence or place of
registration in Ukraine, indicating the name of the Insured person, diagnosis, date of
treatment and duration of treatment (except for the period of rehabilitation treatment),
certified by the signature, seal of the responsible person (attending physician) and stamp
of the medical institution;
- in case of primary disability of the insured (the insured person) as a result of
an accident that occurred during the trip - the conclusion of the medical and social expert
commission on the establishment of primary disability of the insured person as a result of
an accident or a notarised copy thereof;
- in case of death of the insured (the insured person) as a result of an accident -
duly certified copies of the beneficiary's national passport and certificate of assignment
of an identification number (taxpayer's card); copy of the death certificate; original or
notarised copy of the certificate of inheritance;
additionally for class 7 risks:
- a list of baggage items that have been lost, destroyed or partially damaged,
indicating their value;
- original travel ticket on the basis of which the Insured (the Insured person) was
in the vehicle;
- baggage receipt (ticket) confirming the fact of transferring baggage under the
responsibility of the carrier;
- a copy of the application to the carrier about the loss, full or partial damage
of the baggage with the carrier's mark on acceptance of the application;
- a document confirming the loss, full or partial damage of baggage (the original
Carriage Damage Certificate) drawn up by the responsible person of the carrier;
- a copy of the carrier's decision to recognise the baggage as permanently lost (in
case of loss of baggage) after the search procedure approved by the carrier;
- a copy of the decision of the carrier's claim commission to refuse to pay
compensation in case of loss, total loss or partial damage to the baggage;
Taking into account the circumstances of the event, the Insurer shall have the right to
request additional documents to confirm the fact and circumstances of the insured
event and to determine the amount of the insurance indemnity.
All documents, except for the application, may be submitted to the Insurer within three
years from the date of the event.
The documents shall be submitted to the Insurer in Ukrainian.
All documents submitted to the Insurer shall be legibly written or printed on letterheads
and bear the signatures of officials with appropriate seals, as well as the name, address
and contact telephone number of the issuing institution (person). Invoices (bills,
invoices) and financial documents confirming the fact of payment (cheques, receipts,
warrants, etc.) must be submitted in the original.
Documents for receiving insurance payment shall be submitted (sent by mail) directly to the
Insurer's office in paper form in original (except for those for which it is specified to
submit copies (including notarised copies).
All documents, information and evidence shall be provided to the Insurer free of charge.
Insurance payments are made by bank transfer.
Insurance payments are made exclusively in Ukraine in UAH.
The decision on insurance payment or refusal to pay shall be made by the Insurer within 20
(twenty) working days from the date of receipt by the Insurer of all necessary documents
submitted in accordance with the terms and conditions of the contract.
The Insurer shall pay the insurance indemnity within 5 (five) banking days after
the decision to pay the insurance indemnity is made.
If there are grounds for doubt as to the validity (legality) of the insurance payment, the
Insurer may postpone the decision on payment until such reasons are confirmed or refuted
for a period not exceeding 45 (forty-five) business days.
The Insurer shall notify the Insured (the Insured person, the Beneficiary) in writing of
refusal to make insurance payment or decision to postpone the decision on insurance payment
to the email address specified in the application for insurance payment within 5 (five)
working days from the date of the decision, setting out the motivation for the decision or
justification of the reasons for refusal, and then send the decision by mail.
In class 18, the insurance payment shall be calculated based on the following: For
Class 18 risks, the Insurance indemnity for payment of medical or other services provided
for in the insurance terms and conditions arranged by the Insurer for the Insured (the
Insured person) shall be paid by the Insurer without the participation of the Insured
person on the basis of invoices issued to the Insurer.
If medical assistance to the Insured (the Insured person) was provided without
participation of the Insurer's Assistance Company and/or the medical institution refuses to
receive full or partial guarantee from the Assistance Company, the Insured (the Insured
person) shall bear such expenses independently and apply to the Insurer for reimbursement.
Deductible (if applicable) is deducted from the amount of insurance indemnity
In Class 1, the insurance payment is calculated based on the following:
• in case of temporary loss of general working capacity due to an accident - in the
amount of 0.5% of the sum insured for the accident for each day of the documented
health disorder, except for the period of rehabilitation treatment starting from the
sixth day, but in total not more than 30% of the sum insured;
• in case of primary disability as a result of an accident: Group I - in the
amount of 100% of the sum insured;
Group II - in the amount of 75% of the sum
insured; Group III - in the amount of 60% of the
sum insured.
• in case of death due to an accident - in the amount of 100% of the sum insured
In class 7, the insurance payment is calculated based on the following: The amount
of damage is determined for each item (piece of baggage) separately.
The maximum sum insured for baggage and the limits of insurance payments are specified in
the individual part of the Offer. The amount of loss shall be determined based on the
actual value of the item, the limits of insurance payments and the amount of the sum
insured for baggage insurance in general.
If the damaged item can be repaired for the purpose of further use as intended, the amount
of damage shall be deemed to be the cost of the repair. If the cost of repair exceeds the
cost of the item itself or the sum insured specified in the contract, the indemnity shall
be paid within the cost of the item, but not more than the sum insured.
If the lost baggage has been returned to the Insured (the Insured person), he/she shall
return to the Insurer the insurance indemnity received less the costs of repair (if
necessary) of the returned item related to the insured event. The difference of insurance
indemnity shall be returned by the Insured (the Insured person) not later than 15
(fifteen) calendar days after returning the baggage.
If the Insured (the Insured person) has received compensation from third parties for lost
or damaged baggage or a part thereof, 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 that are part of a set, set, etc., the amount of damage
is determined as the difference between the actual value of the set, set, etc. and the
value of the items that have been preserved
Deductible (if applicable) is deducted from the amount of insurance indemnity
Late notification of an insured event without valid reasons may be an independent
ground for refusal of insurance payment.
Failure to agree on expenses (regardless of the amount) with the Assistance
Company related to medical transportation of the Insured (the Insured person), ritual
rescue services, search operations and other expenses, if such agreement is provided for by
the terms and conditions of the insurance product, shall be an independent ground for
refusal of insurance payment.
If medical expenses exceeding UAH 5000 are not agreed with the Assistance Company, the
Insurer shall pay out in the amount not exceeding UAH 5000.
If the insurance premium is not paid in the amount and within the terms specified in the
agreement, the agreement shall be deemed not to have been concluded and the insurance cover
shall not be effective.
The product is not additional to other non-insurance goods, works or services.
Discounts do not apply to this product, there are no promotional offers.
