The subject of insurance is life, health, working capacity;
Insurance risks are events that happened to the Policyholder (Insured Person) during the period (taking into account the time deductible) and within the territory of validity of the insurance contract, upon the occurrence of which the Insured (Insured Person) incurred or may incur expenses in providing him/her with emergency qualified medical or other necessary assistance, namely:
1. in connection with the illness of such a person, a disorder of his/her health as a result of an accident or other event in the event of which insurance is provided, namely: receiving emergency medical care, emergency medical services, including the provision of medicines and/or medical devices, and/or other services (assistance) of a specific list and quality to the extent provided for in the insurance contract;
2. appeal by the heirs of the Policyholder (Insured Person), in the event of his/her death as a result of a sudden illness or accident during the term of the insurance contract, in connection with the need to cover the costs associated with the repatriation of the Policyholder (Insured Person);
as well as:
the Insured Person suffering traumatic injury (injury) as a result of an accident or the death of the policyholder (insured person) as a result of an accident.
The sum insured is specified in the individual part of the insurance contract both in currency units and in the equivalent of this amount in hryvnia.
The insurance amount is specified in the individual part of the insurance contract simultaneously in conventional units and in the equivalent of this amount in hryvnia.
The insurance amount is converted into hryvnia equivalent at the NBU exchange rate determined as of the date of conclusion of the insurance contract.
The insurance amount for class 18 is:
an amount equivalent to EUR 30,000 at the time of concluding the contract;
The insurance amount for class 1 is:
an amount equivalent to EUR 3,000 at the time of concluding the contract.
The actual insurance rate is determined as the product of the base insurance rate multiplied by the coefficients. The insurance rate may be specified in the individual part of the insurance contract.
The base insurance rate for one day of insurance is:
- for class 18 – 0.0033%
- for class 1 – 0.003%
The insurance premium is calculated as the product of the sum insured and the actual insurance rate.
The amount of the insurance premium is specified in the individual part of the insurance contract.
Insurance premiums are paid by the Policyholder in a single payment for the entire term of insurance when concluding the insurance contract. Without payment of the insurance premium, the insurance contract does not come into force at all.
In case of non-payment of the insurance premium by the date specified in the contract as the start of the insurance period, the insurance contract may come into force on the date following the date of payment of the insurance premium. In this case, the period for which the insurance premium was not paid is included in the total term of the contract. All cases that occurred before the insurance premium was paid are not considered insured and are not subject to coverage (compensation).
Unconditional deductible: not applicable.
Time deductible: If an insurance contract is concluded while staying in Ukraine less than three days before the start of the insurance term (period), a time deductible of 48 hours will apply, which shall be calculated in accordance with the rules for calculating time periods under the Civil Code of Ukraine, starting from the day following the date specified as the start of the insurance term (period). The time deductible period shall be included in the total term of the contract. All cases and services that occurred or were provided during the time deductible period shall not be considered insured and shall not be subject to coverage.
The territory covered by the insurance is specified in the individual section of the insurance contract as the geographical area of Ukraine.
However, the insurance contract does not apply to:
● temporarily occupied territories of Ukraine;*
● territories of Ukraine where active hostilities are taking place;*
● areas where a state of emergency or threat of natural disaster has been officially declared, unless otherwise specified in the insurance terms and conditions;*
*the list of territories is established in accordance with Order No. 309 of the Ministry for Reintegration of the Temporarily Occupied Territories of Ukraine dated 22.12.2022 or other regulations governing the formation of a list of territories where (were conducted) combat operations, or other regulatory acts of the relevant state authority as of the date of the occurrence of the event that has the characteristics of an insured event
Failure to notify the insurer of an insured event in a timely manner without valid reasons may be grounds for refusing to pay insurance benefits.
If the insurance premium is not paid in the amount and within the time limits specified in the contract, the contract shall be deemed not to have been concluded and the insurance cover shall not be valid.
The product is not supplementary to other goods, works or services that are not insurance-related.
Discounts do not apply to this product, and there are no promotional offers.
The policyholder must provide accurate information about the age of the insured person, whether they perform physical work for hire and/or engage in sports during the term of the insurance contract, as well as their location on the date of conclusion of the insurance contract.
When insuring persons aged 65 and over and/or engaged in physical labour and/or active tourism (leisure activities), a surcharge shall apply.
Please note that before concluding an insurance contract, the Policyholder MUST familiarize themselves with the following information:
- the procedure for determining the start of the insurance period;
- exceptions to insured events and grounds for refusal to make insurance payments;
- limits of the insurer's liability for a specific object of insurance;
- insurance risk and/or insured event;
- the procedure for calculating and conditions for making insurance payments.
This information is contained in the Information Document on the standard insurance product “Travel Insurance for Foreigners Traveling in Ukraine ”INCOMING," which is valid at the time of concluding the Agreement and is available at the link, as well as in the General Terms and Conditions of the insurance product “Travel Insurance for Foreigners Traveling in Ukraine ”INCOMING," which are available at the link https://eurotravelins.com.ua/ua/strakhovi-produkti-dlja-fizichnikh-osib/translate-to-ukrainian-strakhovanie-inostrancev-pri-puteshestvijakh-po-ukraine/translate-to-ukrainian-strakhovanie-dlja-inostrancev-puteshestvujushchikh-po-ukraine/
