‘Travel insurance for those travelling outside Ukraine, contracts for which are concluded on the website of an insurance intermediary Polis.ua LLC (B2C sales)
life, health, ability to work and / or liability for damage caused to a person or his property
Insurance of expenses related to rendering assistance (assistance) to persons who have got into a difficult situation while travelling abroad in Ukraine includes:
1. payment (compensation) for emergency (urgent) aid at the place of call, performance of primary diagnostic measures, provision of medical aid using medicines to the extent necessary for the condition of the Policyholder (Insured person).
2. payment (compensation) of the cost of medical care and treatment services in outpatient and polyclinic conditions; examination to the extent necessary to establish a diagnosis; medical consultations.
3. payment of the cost of services related to in-patient treatment, i.e.: medical consultations, diagnostics, treatment, emergency surgical intervention, medication, stay in standard wards, food according to the norms accepted in the medical institution. The Insurer shall pay the cost of treatment abroad within the limits of its liability (sum insured) established by these insurance terms and conditions only until the state of health of the Policyholder (Insured person), according to the doctor's decision, allows evacuating him/her to the country of permanent residence.
4. payment (compensation) of the cost of express testing and laboratory tests on COVID-19 prescribed by a doctor in case of signs of illness, which is confirmed by a relevant medical report, as well as outpatient and inpatient treatment of the Policyholder (Insured) on COVID-19.
5. payment (compensation) of the cost of medicines prescribed by a doctor for emergency treatment according to a prescription, or compensation of expenses in case of independent purchase of medicines prescribed by a doctor according to a prescription from a pharmacy.
6. payment (compensation) of the cost of emergency dental care, namely: dental examination; X-ray examination; extraction or filling of teeth with temporary fillings, which all together or separately are caused by acute inflammation of the soft tissues of the tooth and/or adjacent tissues, or jaw trauma resulting from an accident, except for caries treatment.
7. payment (reimbursement) of the cost of transporting the Policyholder (Insured person) by land transport to a medical institution, if the health condition of the Policyholder (Insured person) does not allow to move independently, in particular, but not exclusively in case of injuries, high temperature.
8. payment (compensation) of expenses for continuation of treatment of the Policyholder (Insured) in a hospital for up to 15 days after the expiry of the insurance contract, if it is medically necessary. At the same time, the costs of medical evacuation shall not be covered.
9. organisation (if possible) and payment (compensation) of the cost of the complex of services related to transportation and medical accompaniment of the Policyholder (Insured person) undergoing inpatient treatment from abroad to the medical institution nearest to the place of permanent residence, provided that there are medical indications of the need for further inpatient treatment. The Insurer shall not indemnify the expenses for continuation of treatment and rehabilitation of the Policyholder (Insured) after his/her return to the country of permanent residence. If a doctor authorised by the Insurer considers that evacuation of the Policyholder (Insured) is possible and the Policyholder (Insured) refuses it, the Insurer shall immediately stop paying the cost of treatment services for the Policyholder (Insured).
10. organisation (if possible) and payment of the cost of the complex of services for transportation of the body (repatriation) of the Policyholder (Insured) to the customs border of the country of his/her previous permanent residence, except for transportation of the urn with the ashes of the deceased Policyholder (Insured) after cremation. If local regulations require the body to be transported in a coffin, the Insurer shall organise and pay for the purchase of such a coffin. A prerequisite for organising repatriation is that the relatives of the deceased Policyholder (Insured) submit a written application-confirmation of readiness to collect the body after crossing the state border.
11. payment (compensation) of the cost of burial services for the Policyholder's (Insured person's) body in the country of the place of death.
12. compensation of the cost of telephone communication services of the Policyholder (Insured) or a person representing his (her) interests with the Insurer regarding the notification of the insured event.
By default, the option ‘Active tourism (recreation)’ is not included in the package, but may be selected by the Insured additionally when concluding the insurance contract, as indicated in the individual part of the insurance contract in the section ‘Additional conditions’
Accident insurance while travelling abroad in Ukraine includes:
- permanent loss of the policyholder's (insured person's) general labour capacity (establishment of primary disability І) as a result of an accident or
- death of the policyholder (insured person) as a result of an accident.
Insurance of expenses related to rendering assistance (assistance) to persons who have got into a difficult situation while travelling abroad in Ukraine includes:
1. payment (compensation) for emergency (urgent) aid at the place of call, performance of primary diagnostic measures, provision of medical aid using medicines to the extent necessary for the condition of the Policyholder (Insured person).
2. payment (compensation) of the cost of medical care and treatment services in outpatient and polyclinic conditions; examination to the extent necessary to establish a diagnosis; medical consultations.
3. payment of the cost of services related to in-patient treatment, i.e.: medical consultations, diagnostics, treatment, emergency surgical intervention, medication, stay in standard wards, food according to the norms accepted in the medical institution. The Insurer shall pay the cost of treatment abroad within the limits of its liability (sum insured) established by these insurance terms and conditions only until the state of health of the Policyholder (Insured person), according to the doctor's decision, allows evacuating him/her to the country of permanent residence.
4. payment (compensation) of the cost of express testing and laboratory tests on COVID-19 prescribed by a doctor in case of signs of illness, which is confirmed by a relevant medical report, as well as outpatient and inpatient treatment of the Policyholder (Insured) on COVID-19.
5. payment (compensation) of the cost of medicines prescribed by a doctor for emergency treatment according to a prescription, or compensation of expenses in case of independent purchase of medicines prescribed by a doctor according to a prescription from a pharmacy.
6. payment (compensation) of the cost of emergency dental care, namely: dental examination; X-ray examination; extraction or filling of teeth with temporary fillings, which all together or separately are caused by acute inflammation of the soft tissues of the tooth and/or adjacent tissues, or jaw trauma resulting from an accident, except for caries treatment.
7. payment (reimbursement) of the cost of transporting the Policyholder (Insured person) by land transport to a medical institution, if the health condition of the Policyholder (Insured person) does not allow to move independently, in particular, but not exclusively in case of injuries, high temperature.
8. payment (compensation) of expenses for continuation of treatment of the Policyholder (Insured) in a hospital for up to 15 days after the expiry of the insurance contract, if it is medically necessary. At the same time, the costs of medical evacuation shall not be covered.
9. organisation (if possible) and payment (compensation) of the cost of the complex of services related to transportation and medical accompaniment of the Policyholder (Insured person) undergoing inpatient treatment from abroad to the medical institution nearest to the place of permanent residence, provided that there are medical indications of the need for further inpatient treatment. The Insurer shall not indemnify the expenses for continuation of treatment and rehabilitation of the Policyholder (Insured) after his/her return to the country of permanent residence. If a doctor authorised by the Insurer considers that evacuation of the Policyholder (Insured) is possible and the Policyholder (Insured) refuses it, the Insurer shall immediately stop paying the cost of treatment services for the Policyholder (Insured).
10. organisation (if possible) and payment of the cost of the complex of services for transportation of the body (repatriation) of the Policyholder (Insured) to the customs border of the country of his/her previous permanent residence, except for transportation of the urn with the ashes of the deceased Policyholder (Insured) after cremation. If local regulations require the body to be transported in a coffin, the Insurer shall organise and pay for the purchase of such a coffin. A prerequisite for organising repatriation is that the relatives of the deceased Policyholder (Insured) submit a written application-confirmation of readiness to collect the body after crossing the state border.
11. payment (compensation) of the cost of burial services for the Policyholder's (Insured person's) body in the country of the place of death.
12. compensation of the cost of telephone communication services of the Policyholder (Insured) or a person representing his (her) interests with the Insurer regarding the notification of the insured event.
13. compensation of the cost of transportation of the Policyholder (Insured) immediately after the end of in-patient treatment, by economy class to the place of permanent (preferential) residence (place of registration) in Ukraine after the expiry of the insurance contract, if the Policyholder missed his/her flight due to in-patient treatment. In this case medical evacuation is not covered
14. compensation of living expenses of the Policyholder (Insured person) abroad after the expiry of the contract, if his/her return to the country of permanent (preferential) residence or the country of place of registration is impossible immediately after discharge from the hospital
15. compensation of hotel accommodation expenses for one companion of the Policyholder (Insured person) abroad for a period not exceeding 5 days, if the Policyholder (Insured person) is on in-patient treatment after the expiry of the Insurance contract
16. compensation for the cost of round-trip economy class travel for one of the adult close relatives of the Policyholder (Insured) if the duration of the Policyholder's (Insured) treatment in a hospital in the country of temporary stay exceeds 5 days.
17. compensation of the cost of hotel accommodation for up to 5 days for one of the adult close relatives of the Policyholder (Insured), if the duration of treatment of the Policyholder (Insured) in a hospital in the country of temporary stay exceeds 5 days.
18. compensation of expenses for early return by economy class to the country of permanent (preferential) residence (place of registration), if necessary, accompanying the Policyholder's (Insured person's) children under 16 years of age in case of hospitalisation or death of the Policyholder (Insured person) at the place of temporary stay.
19. compensation of the cost of economy class travel to the country of permanent residence of one companion of the Policyholder (Insured) in case of his/her hospitalisation or death
20. payment of expenses for search and rescue of the Policyholder (Insured) as a result of an accident in mountains, at sea, in the forest or other remote areas, including expenses for transportation, including by helicopter (if possible and available), from the place of accident to a medical institution, provided that civil services and organisations are allowed to reach such places
21. Payment of the cost of hyperbaric therapy (baro-chamber);
22. Compensation for the cost of fixation means prescribed by a doctor for injuries. The means of fixation within the limits of this paragraph include only crutches, orthoses, bandages and tourniquets
23. payment (compensation) for the cost of emergency medical care provided for injuries or illnesses resulting from terrorist acts and natural disasters, including posthumous repatriation.
24. payment (compensation) of the cost of medical care for sunburns, allergic dermatitis of any origin;
25.payment (compensation) for the cost of emergency medical care in case of exacerbations of chronic diseases
26. payment (compensation) for the cost of emergency gynaecological care during pregnancy not exceeding 31 weeks
27. payment (compensation) for the cost of medical expenses in case of premature birth. An event shall be deemed an insured event only if premature birth occurs 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;
28. 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;
29. payment (compensation) for the cost of medical care for diseases or injuries caused by or in a state of intoxication (except for posthumous repatriation). In this case, the Insurer shall indemnify for medical losses for emergency medical care necessary to prevent immediate threat to life or health, or expenses related to acute pain relief.
30. indemnification of the Insured's (the Insured person's) expenses for purchase of essentials (e.g. underwear, personal care products (except for decorative cosmetics), glasses, panama hat, etc.), which cannot be dispensed with, due to delay of baggage for more than 6 hours from the moment of arrival of the Insured (the Insured person) to the country of travel.
31. reimbursement of expenses of the Insured (the Insured person) for issuance of lost personal documents (passports) required for returning to the country of permanent residence
32. 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 by unintentional and negligent actions of the Insured (the Insured person). The existence of intent (fault) shall be established in accordance with the legislation of the country of travel and confirmed by the relevant decisions of law enforcement and/or judicial authorities.
33. compensation of expenses for judicial or out-of-court settlement of a dispute and/or other services (assistance) due to 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 the country of travel and confirmed by relevant decisions of law enforcement and/or judicial authorities.
34. compensation 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 of sports equipment rented by the Insured (the Insured person). The existence of intent (fault) shall be established in accordance with the legislation of the country of travel and confirmed by relevant decisions of law enforcement and/or judicial authorities.
35. compensation of expenses for judicial or out-of-court settlement of a dispute and/or other services (assistance) due to engagement of a lawyer and an interpreter to protect the rights of the Insured (the Insured person) during administrative proceedings in connection with occurrence of risks provided for in p.p. 32-34.
By default, the option ‘Active tourism (recreation)’ is not included in the package, but may be selected by the Insured additionally when concluding the insurance contract, as indicated in the individual part of the insurance contract in the section ‘Additional conditions’
Accident insurance while travelling abroad in Ukraine includes:
- temporary loss of the policyholder's (insured person's) general labour capacity for at least 5 days as a result of an accident or
- permanent loss of the policyholder's (insured person's) general labour capacity (establishment of primary disability of I, II or III group) as a result of an accident or
death of the policyholder (insured person) as a result of an accident.
The insurance contract shall be concluded with persons aged up to 80 years, unless otherwise specified in the insurance contract, whose trip starts from the territory of Ukraine or the country of location of the Policyholder (Insured) and from which the trip begins
In case of insurance of persons aged 65 to 80 years, surcharges shall be applied.
Insurance contracts shall not be concluded in respect of the following persons:
● with individuals aged over 80 years old
citizens of the Russian Federation, Belarus, Syria, Iran, North Korea and Myanmar, except for those who have a permanent residence permit in Ukraine.
● legally recognised as legally incapable;
● insurance coverage is not valid in the territory of permanent residence of the Policyholder (Insured person);
Russian Federation; Belarus; Syria; Iran; North Korea and Myanmar.
The minimum and maximum sum insured under this insurance product may be:
Class 18: 30,000 euros/dollars
Class 1: 3,000 euros/dollars.
The amount and currency of the sum insured is determined in the individual part of the insurance contract.
Calculation of the sum insured into the hryvnia equivalent is performed at the NBU exchange rate determined as of the date of conclusion of the insurance contract.
When insuring several persons, the sum insured under classes 18, 1 is the sum insured separately for each of the Insured.
When insured events occur, the sum insured shall be reduced each time by the amount of insurance benefits paid by the Insurer. If the amount of money paid or claimed for payment reaches the level of the Sum Insured specified in the individual part of the Insurance Contract, the Insurance Contract shall be terminated in full or for a separate insurance class.
When selecting the ‘Business’ package:
When selecting the ‘Business’ package.
The minimum and maximum insurance rate is 0.003% per day and 10.4% per year respectively.
The minimum and maximum insurance premium per person is 1 u.u. of the sum insured currency per day and 3,431 of the sum insured currency per year, which is converted into UAH according to the NBU exchange rate on the date of conclusion of the insurance contract.
When choosing the package ‘Standard’:
When choosing the package ‘Standard’.
The minimum and maximum insurance tariff is 0.005% and 16.32% per year respectively.
The minimum and maximum insurance premium per person is 1.57 currency of the sum insured per day and 5,386.7 currency of the sum insured per year, which is converted into hryvnia according to the NBU exchange rate on the date of conclusion of the insurance contract.
An unconditional deductible and a temporary deductible may be applied
The amount of unconditional deductible shall be determined in the individual part of the insurance contract for the 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:
The deductible is 10% for insurance risks of insurance class 18 related to lawyer's services and risks related to damage to property and health of third parties, rented equipment.
For insurance risks of insurance class 18 related to alcohol consumption, the deductible is 50 c.u. of the currency of the sum insured for each individual case
In case the insurance contract is concluded during the stay abroad less than three days before the beginning of the insurance term (period), a temporary deductible of 48 hours will be applied for class 18, counting from the next day specified as the beginning of the insurance term (period). At the same time, the expenses for the medical services provided in connection with the occurrence of an accident will be covered with simultaneous consideration of the following:
- the insurance premium has been paid in full;
- the accident occurred not earlier than the date and time of conclusion of the insurance contract and the day specified as the beginning of the insurance period;
- medical services have been provided starting from the next day of the date specified as the beginning of the insurance period.
The period of the temporary deductible shall be counted as part of the total period of validity of the contract. All events and services that have occurred or are provided during the temporary deductible period, except for the provision of services described in this clause in connection with the occurrence of an accident, shall not be deemed insured and shall not be covered
The territory of coverage is indicated in the individual part of the insurance contract and is labelled as:
Geographical zone ‘Europe’ (graphic representation EUROPE or EU). The ‘Europe’ zone includes all countries of geographical Europe as well as Algeria, Egypt, Israel, Morocco, Tunisia, Turkey.
OR.
The geographical zone ‘World’ (World or W), which includes all countries of the world.
The insurance contract is not valid on the territory of:
The term of validity of the insurance contract (insurance coverage) is determined in the individual part of the contract within the number of insured days within the insurance period (or periods) defined in the contract
Beginning and expiry of the term of validity of the contract
On Class 18 risks:
On Class 18 risks
1. Commencement and expiry of the term of validity of the contract (insurance coverage) for persons who are on the territory of Ukraine on the date of execution of the insurance contract:
1.1. the insurance contract must be concluded before the beginning of the trip (i.e. before crossing the border of Ukraine)
1.2. the term (or period) of insurance and the number of insured days shall be chosen by the Policyholder independently
1.3. the beginning of the insurance term (period) may coincide with the date of conclusion of the insurance contract or be a later date;
1.4. insurance cover (insurance coverage) and the countdown of the number of insured days shall start from the moment when the Policyholder (Insured) passes the border control of Ukraine when travelling abroad or from 00 o'clock (Kiev time) of the day specified as the beginning of the term (period) of insurance (according to the date which is later), but not earlier than the moment of payment of the insurance payment and crossing the border of Ukraine.
1.5. insurance cover (insurance coverage) ends at the moment when the Policyholder (Insured person) passes the border control of Ukraine when returning from abroad or at 24 hours Kiev time of the day specified as the end of the term (period) of insurance with obligatory taking into account the number of insured days (according to the date that occurred earlier).
2. The beginning and end of the term of the contract (insurance coverage) for persons who are outside Ukraine as of the date of the insurance contract:
2.1. the term (or period) of insurance and the number of insured days shall be chosen by the Policyholder independently At the same time, the Policyholder must necessarily take into account that the insurance contract must be concluded three days before the desired start date of the term (period) of insurance;
2.2 If the Policyholder violates the deadline for concluding the contract and determining the beginning of the insurance term (period), the requirements set out in the preceding paragraph, a temporary deductible shall be applied. In such a case, the insurance cover shall start to be effective 48 hours after the date specified as the beginning of the insurance period, counting from the next day specified as the beginning of the insurance period. At the same time, coverage of the expenses for the medical services provided in connection with the occurrence of an accident will be provided taking into account the following:
- the insurance premium has been paid in full;
- the accident has occurred not earlier than the date and time of conclusion of the insurance contract and the day specified as the beginning of the insurance period;
- medical services have been provided as of the next day of the date specified as the beginning of the insurance period.
The period of the temporary deductible shall be counted as part of the total period of validity of the contract. All events and services that have occurred or have been provided during the temporary deductible period, except for the provision of services described in this clause in connection with the occurrence of an accident, shall not be deemed insured and shall not be covered;
2.3. if the requirements for concluding the contract and determining the beginning of the insurance term (period) set out in the previous clause 1 are met, the insurance cover and the countdown of the number of insured activities shall commence from the date specified as the beginning of the insurance term (period)
2.4. the insurance cover shall end at the moment when the Policyholder (Insured) passes the border control of Ukraine when returning from abroad or at 24 hours Kiev time of the day specified as the end of the insurance term (period) with obligatory taking into account the number of insured days (according to the date that occurred earlier).
3. If the individual part of the insurance contract provides for multiple journeys (multy), the Insurer shall be liable within the limits of the total number of days of stay abroad specified in the contract for the entire term (period) of insurance. At each trip abroad the insurance cover validity period is automatically reduced by the number of days spent by the Policyholder (Insured) in the territory of the contract. The number of days of stay of the Policyholder (Insured) abroad for each individual trip is determined in accordance with the marks of the border service in the passport of the person for foreign trips, or in accordance with the information (letter) of the border service of the country to which the trip was made or other similar document.
The minimum number of insured days may be 3 days
Maximum - 365 days.
Class 1 risks:
Class 1 risks
The validity of the insurance contract starts from the moment of the Policyholder's (Insured person's) boarding the vehicle at the starting point of the trip specified in the ticket, etc., but not earlier than the beginning of the insurance term (period) specified in the individual part of the insurance contract and payment of the insurance payment, and ends at the final point of the trip specified in the travel service contract or when leaving the vehicle in Ukraine or at the end of the insurance term (period), with mandatory consideration of the number of insured days.
The minimum number of insured days can be 3 days.
Maximum - 365 days.
Failure to report the occurrence of an insured event in a timely manner without valid reasons may be an independent ground for refusal of the insurance benefit.
Failure to coordinate the expenses (irrespective of the amount) with the Assisting Company related to medical transport of the Policyholder (Insured), ritual rescue services shall be an independent ground for refusal of the insurance benefit.
In case of failure to agree with the Assisting company on medical expenses in the amount of more than 1000 u.u. of the Sum Insured currency, the Insurer shall make a payment in the amount not exceeding 1000 u.u. of the Sum Insured currency.
If the Insurance Premium is not paid in the amount and within the terms specified in the Contract, the Contract shall be deemed not concluded and the Insurance cover shall not be valid.
The product is not additional to other goods, works or services that are not insurable.
Discounts do not apply to this product and there are no promotional offers.
Prior to entering into the Insurance Policy, the Policyholder shall provide the Insurer with information on circumstances that are essential for risk assessment.
Such information shall include:
- territory of validity (country of travel);
- insurance period and the desired number of insured days;
- number of trips during the insurance period;
- number of Insured persons;
- place of stay of the Insured (the Insured persons) at the time of concluding the insurance contract;
- purpose of the trip;
- age of the Insured person;
- amount and currency of the sum insured;
- application/non-application of the deductible;
- name of the insurance programme of the insurance product and/or insurance package (insurance product);
The above information shall be provided by the Insured to the Insurer by filling in the relevant data in electronic forms on the Insurer's/insurance intermediary's website or via the Insurer's/insurance agent's IT system or orally to the representative of the Insurer/insurance agent with whose participation the Insurance contract 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.
‘Tourist insurance for travelling outside Ukraine, contracts for which are concluded on the website of insurance intermediary
Polis.ua‘ LLC (’Polis.ua") (B2C sales), 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/KM/polis_jua/1_IDSSP_Polis_jua_KM.pdf , а саме:
as well as in ‘Tourist insurance travelling outside Ukraine, contracts for which are concluded on the website of the insurance intermediary
Polis.ua LLC (‘Polis.ua’) (B2C sales), which is actual at the moment of conclusion of the Contract
and placed at the link https://eurotravelins.com.ua/upload/oferti/EuroAgent/KM/polis_jua/1_ZUSP_Polis_jua_KM.pdf
