‘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.
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.
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 before entering into the insurance contract the Policyholder MUST familiarise himself/herself with the following information:
- on exclusions from insured events and grounds for refusal to make insurance payments;
- the insurer's liability limits for a particular insurance object;
- insurance risk and/or insured event;
- on the procedure for calculation and conditions of insurance payments
The specified information is contained in the Information Document on the standard insurance product and the insurance product
‘Travel insurance for citizens of Ukraine travelling on the territory of Ukraine, contracts for which are concluded on the website of the Insurer and on the websites of partners of the Insurer.
Insurer's website and on the websites of the Insurer's partners ‘B2C sales’ (with application of insurance packages)’, which is up-to-date at the moment of conclusion of the Contract and is available at the following link
at the link https://eurotravelins.com.ua/upload/oferti/EuroAgent/kmd/1/IDSSP_Paketne_strakhuvannja.pdf , а саме:
as well as in ‘Travel insurance for citizens of Ukraine travelling in the territory of Ukraine, contracts for which are concluded on the Insurer's website
of the Insurer and on the websites of the Insurer's partners ‘B2C sales’ (with application of insurance packages)’, which is actual at the moment of conclusion of the Contract
and is available at the link https://eurotravelins.com.ua/upload/oferti/EuroAgent/kmd/1/ZUSP_Paketne_KMD.pdf
