Travel insurance

• The object of insurance is the health of the policyholder or a third party (the insured) designated by the policyholder in the insurance contract with his/her consent, as well as medical and additional expenses directly related to the insured event during the trip (travel) by the policyholder or the insured.

Insurance risks and insurance limitations

• The following risks are included within insurance class 18:
• insurance of medical expenses related to the provision of assistance (Assistance) to persons who are in a difficult situation during a trip (journey) in Ukraine or abroad;
• insurance of expenses, other than medical, related to the provision of assistance (Assistance) to persons who are in a difficult situation during a trip (trip) in Ukraine or abroad
• The following risks are included within the 13th class of insurance for the Elite Programme
• insurance of liability to third parties other than the liability of a nuclear facility operator for nuclear damage that may be caused as a result of a nuclear incident, without restrictions and features that give rise to a simplified approach to calculating solvency capital and minimum capital.

The Insurer shall not be liable under the Insurance Contract if the event occurs:

• during the state of emergency, special or martial law declared by the authorities in the country of residence of the Insured and/or during civil unrest, revolution, uprising, strike or terrorist act, as a result of illegal actions (inaction) of state authorities in the country of residence (part thereof) of the Insured, as well as in case entry to this country is not recommended by the Ministry of Foreign Affairs of Ukraine;
• due to nuclear energy impact;
• outside the validity period of the Insurance Contract;
• during a trip made for medical treatment.

Each Insurance Programme includes a basic package of medical services:

• «Emergency inpatient care in medical institutions»;
• «Emergency outpatient care in a medical institution»;
• «Payment for medicines prescribed for emergency treatment»;
• «Emergency ambulance»;
• «Emergency dental care»;
• Medical evacuation (repatriation) to the hospital closest to the international airport or closest to the border crossing point in the country of permanent residence;
• «Repatriation of the body»;
• «Payment for urgent messages»;
• «Payment for medicines»;
• «Provision of emergency medical care in connection with diseases associated with particularly dangerous infections (including COVID-19)».
• «Telemedicine doctor consultation»/«Online doctor consultation».

Sum insured:

• for the ‘Medium’ and ‘Medium Plus’ programmes is EUR 30 thousand,
• for the ‘Black Edition’ programme is EUR 50 thousand,
• for the ‘Elite’ programme is EUR 67 thousand.
• Limits of liability for individual options depending on the selected insurance programme: «Medium», «Medium Plus», «Black Edition» or «Elite»: Minimum and maximum amounts of insurance premium and/or insurance tariff

Programme «Medium»

• Insurance premium per month, UAH 24
• Annual insurance premium, UAH 288

Programme «Medium Plus»

• Insurance premium per month, UAH 46
• Annual insurance premium, UAH 552

Programme «Black Edition»

• Insurance premium for the month, UAH 51
• Annual insurance premium, UAH 612

Programme «Elite»

• Insurance premium per month, UAH 78
• Annual insurance premium, UAH 936

The insurance programmes «Medium», «Medium Plus», «Black Edition» and «Elite» provide for a deductible of 0.

The whole world, except for Ukraine, Russia, Belarus and the country of permanent residence of the Insured person and the country of which he/she is a citizen. The country of permanent residence shall be deemed to be the country of residence if the Insured person receives a residence permit or similar document issued to the Insured person in the country of residence for a period exceeding the number of days established by law without the obligation to obtain additional permits or documents for stay.

The term of the insurance contract is 1 year.

The insurer does not reimburse expenses:

• that arose as a result of illegal actions of the Insured person, intentional harm to his/her health, suicide attempt;
• for treatment of diseases that arose before the conclusion of the Insurance contract, including diseases at the stage of treatment, except when such treatment is included in a complex product and agreed with the Insurer;
• that arose as a result of diseases and injuries sustained by the Insured person and related to associated with unjustified risk and danger of harm to life and health, as well as the Insured person's engagement in professional sports, mountaineering, diving (diving depth over 40 metres), hiking/trekking (climbing height over 4000 metres), wingsuit jumping, base jumping, motorsport, motorcycling, participation of the Insured person in training, competitions;
• arising from active recreation, including winter sports (skiing and snowboarding at the amateur level at ski resorts during holidays); diving (diving depth up to 18 metres); rafting (1-2 level of difficulty); horse, camel, elephant riding; riding ATVs and buggies (including stay of the insured person as a passenger); cycling; beach football, volleyball, hiking/trekking (1-2 categories of difficulty, provided that the height of climbing is not more than 2500 metres. ) other types of active recreation. This clause shall not apply to the Insured persons for whom an additional insurance premium has been paid and the respective trip purpose identifier «Active recreation» («AR») has been set in Part A of the Insurance contract;
• .
• that arose as a result of amateur sports (without participation in competitions), including rafting (3 and higher levels of difficulty); motor sports, motorcycling; horse racing; banjo jumping, rope jumping; surfing, kitesurfing, sailing, water skiing, yachting, diving;
  parachuting, hang gliding, paragliding; freestyle – acrobatics, trampolining; hiking/trekking (3-5 categories of difficulty, provided that the height of the climb is not more than 4000 metres); diving (diving depth from 18 to 40 metres, only if you have certificates corresponding to the dive, use of a computer, strict implementation of computer recommendations and mandatory provision of a printout or computer data. ); cycling, other types of amateur sports. This clause shall not apply to the Insured persons for whom an additional insurance premium has been paid and the corresponding trip purpose identifier ‘Sport’ («S») has been set in Part A of the Insurance contract;
• that arose as a result of altitude, decompression (caisson) sickness. This clause shall not apply to the Insured persons for whom an additional insurance payment has been paid and the purpose of trip identifier has been specified in the ‘Sport’ («S») application, provided that the diving took place with the relevant certificates, using a computer; computer, strict implementation of computer recommendations and obligatory provision of computer printout or data;
• which arose in the course of performance of physical labour for hire by the Insured person. This clause shall not apply to the Insured persons for whom an additional insurance premium has been paid and the respective travel purpose identifier has been set in Part A of the Insurance contract;
• for medical services, goods and medicines in connection with chronic diseases, including epilepsy, diabetes mellitus, bronchial asthma, systemic connective tissue diseases, benign and malignant oncological diseases, tuberculosis, haematological, autoimmune and demyelinating diseases, chronic renal failure, viral hepatitis, except for hepatitis A, liver cirrhosis; complications of peptic ulcer disease (multiple duodenal and/or gastric ulcers, ulcer penetration, stenosis of the gatekeeper), except for emergency care;
• for medical services, goods and medicines related to age-related degenerative and dystrophic processes, congenital anomalies and malformations, hereditary, occupational, mental diseases, diseases of psychogenic nature, speech disorders, except for emergency care;
• medical services, goods and medicines aimed at health improvement and prevention (including vitamins, vaccinations, sanatorium treatment, preventive examination, etc.) Vaccination is covered only in case of emergency and life-threatening conditions;
• for medical services, goods and medicines for conditions (diseases, injuries, burns and poisoning) resulting from the use of alcohol, drugs and toxic substances;
• for the Insured person to receive services and/or goods that are not medically necessary for diagnosis, treatment of emergency conditions or expenses that have not been previously agreed with the Assistance or the Insurer;
• for obtaining medical certificates for state and other institutions, etc.
• for experimental treatment, services provided by a medical institution or a person who does not have a relevant licence, treatment by methods of alternative medicine (iridodiagnostics, biocorrection, etc.), hypnosis, psychotherapy, reflexology, biological supplements, physiotherapy, manual therapy, massage;
• for cosmetic and plastic surgery, organ and tissue transplantation, prosthetics, medical equipment, purchase of prostheses and medical devices that replace or correct the functions of affected organs, operations with the use of a heart-lung machine (LIMA), replacement therapy drugs, treatment of infertility, impotence, sexual dysfunctions, and contraception;
• for medical services, goods and medications not prescribed and/or properly documented by a medical institution doctor in the country of the Insured person's stay as appropriate and necessary for the treatment of an emergency condition;
• for medical services, goods and medications related to any dermatological diseases, including allergic dermatitis and allergic reactions to solar radiation, sunburns. Only dermatological conditions that pose a threat to the life of the Insured Person or lead to irreversible changes in the body are covered. If Assistance cannot determine the condition of the Insured Person and the threat to life, an initial consultation is appointed, the payment for which is guaranteed, and further diagnosis and treatment are carried out according to the diagnosis established by the healthcare institution;
• for medical services, goods and medications whose provision extends beyond the term of the insurance contract, even if such services are related to an insured event, except for the "Emergency Inpatient Care" option;
• for medical services, goods, and medicines related to particularly dangerous infections (such as plague, cholera, smallpox, and others as per the relevant Order of the Ministry of Health of Ukraine No. 133 dated 19.07.95), excluding programmes that involve the risk of "Providing emergency medical assistance related to diseases associated with particularly dangerous infections" (including covid-19);
• for medical services, goods, and medicines concerning classical venereal diseases and infections predominantly transmitted sexually, according to the classification of the World Health Organization;
• for medical services, goods, and medicines related to AIDS (HIV);
• related to changes in body weight or treatment of obesity, body modification aimed at improving psychological, mental or emotional state, including surgical gender change;
• related to pregnancy and childbirth, except for ectopic pregnancy and the necessity to terminate pregnancy for medical reasons;
• for surgery related to vascular aneurysms, except for emergency operations in complicated cerebrovascular aneurysms when there is a threat to the life of the Insured person;
• for any dental services, except for services aimed at providing emergency dental assistance for the elimination of acute tooth pain (without the establishment of a permanent filling, cosmetic procedures, etc.);
• for treatment with hypolipidemic medications.
  The grounds for refusal of the insurance payment are:
  • intentional actions by the Insured or the Insured Person aimed at causing the insurance event, which led to it;
  • commission by the Insured or the Insured Person of an intentional crime that resulted in the insurance event;
  • untimely notification by the Insured or the Insured Person about the occurrence of the insurance event without valid reasons or creating obstacles for the Insurer in determining the circumstances of the occurrence of the insurance event;
  • failure to provide the doctor appointed by the Insurer with the opportunity to examine the Insured Person;
• the failure of the Insurer and/or the Insured person and/or the legal representatives of the insured child to provide the documents stipulated by the Agreement, in particular, but not limited to the consent, executed in the manner, within the timeframes and in the form and content defined by the Insurer, including taking into account the requirements of the legislation of Ukraine and/or the country where this consent is to be provided, for the transfer to the Insurer, and the right to receive and use by the Insurer, including the transfer by the Insurer to third parties at its discretion, of accurate and complete information, including medical documents and medical information that constitute and/or contain medical confidentiality and confidential information, about the state of their health and/or the health condition of the insured child, in particular, but not limited to facts of seeking medical assistance, diagnoses, illnesses, medical examinations, inspections and their results, the intimate and family sides of life, forecasts of possible disease progression, including the presence of risks to life and health, as well as information and conclusions obtained during medical examinations and/or investigations of causes of death, in the event of its occurrence;
• other cases provided for by the legislation of Ukraine.
• Limits of the insurer's liability for a specific insurance object, insurance risk and/or insurance event, group of insurance risks and/or insurance events (if any), other components of the insurance product
• Under the risk of "insurance for medical expenses related to assistance for individuals who find themselves in difficult situations while travelling in Ukraine or abroad", the limits of liability are established within the amount of insurance;
• Under the risk of "Insurance for expenses other than medical, related to assistance for individuals in distress during a trip (journey) within Ukraine or abroad", the liability limits are set for each option separately and specified in the insurance contract.

The insurance payout is made on the basis of medical and financial documents that confirm the fact of services received by the Insured Person and their cost, but not exceeding the average market value of goods and services charged in the country where the insured event occurs for the performance of similar services under similar circumstances. In the case of payment for the services provided through Assistance, the application for insurance payout by the Insurer (Insured Person) is the act of completed works from the Assistance.

In the case of expenses for chronic diseases, including their exacerbations, compensation is paid within 10% of the insurance amount.

The insurance payout is made by the Insurer within the limits of the insured sum and liability limits specified in the insurance programme outlined in Section A. The insurance payout for medical expenses may not exceed the amount of direct losses incurred by the Insured person.

The insurance amount for a specific type of insurance is reduced by the amount of the insurance payment made by the Insurer.

The insurance payment is made by the Insurer to the Insured Person (heir) in case of their independent payment for goods and services based on the documents mentioned above, in the national currency of Ukraine at the NBU exchange rate on the date of the insurance event. In the absence of prior approval of expenses for services with the Insurer or Assistance, the maximum insurance payment amounts to the equivalent of 300 euros at the official exchange rate of the NBU on the date of the insurance event.

To receive the insurance payout, the Insured person must provide the Insurer with appropriately documented evidence no later than 30 calendar days after returning to Ukraine from a foreign trip (during which the insured event occurred), or within 5 days after receiving a disability, and in the event of the death of the Insured person, the heirs must do so no later than 7 (seven) months from the occurrence of the insured event:

• An application for payment that the Insured may submit either in the form provided by the Insurer or by means of a phone call;
  – a document confirming their identity (copy);
  - foreign passport under which the trip took place (copies);
  - taxpayer card (copy);
  - Contract (copy);
  - bank details for the insurance payment;
  - copies of documents confirming the dates of departure from the territory of Ukraine of the Insured person and the dates of their entry into Ukraine (tickets, boarding passes, etc.).

The following documents are attached to the application and the documents mentioned above:

Information about the possibility of purchasing an insurance product separately, if such a product is offered together with an accompanying and/or additional item, work or service that is not insurance, as part of one package or contract.

• in case of illness
  – a doctor's report with the specified diagnosis and a detailed list of provided services (original or copy);
  – prescriptions for medicines issued by the doctor to the Insured Person (originals or copies);
  – receipts (invoices) for the payment of medications, doctor/hospital services (originals or copies);
  – at the request of the Insurer – other necessary documents related to the illness;
  – other necessary documents related to the insurance case.
• in case of a delay of a flight/baggage, copies of documents confirming this delay for a certain period are provided (a stamp on the ticket, a certificate from the airport or the airline, etc., indicating the exact duration of the delay, information about the flight delay available on websites that host data about flight delays).
• in case of loss/completely destroyed baggage, copies of the following documents are provided:
  – boarding pass or confirmation of registration for the flight;
  - confirmation of loss of baggage from the carrier or their agent.
  Possible consequences for the consumer in case of non-compliance with the obligations defined in the insurance contract, including untimely notification of the occurrence of an insured event without valid reasons and untimely payment of the insurance premium or its subsequent part.
• Untimely notification of the occurrence of an insured event without valid reasons may be grounds for refusal of the insurance payment.
• If the insurance premium / its first part is not paid in the amount and by the deadlines specified in the contract, the contract shall be deemed not concluded (unless otherwise agreed by the parties and stated in the insurance contract).