Insurance product "Life and Liability Plus"

No	Type of Information	Information to be completed by the Insurer
1	Object of insurance	The object of insurance is the life, health and/or working capacity of the Insured person.
2	Insurance risks. Insurance limitations	Main risk: Death of the Insured person. Additional risks: Death of the Insured person due to accident; Disability Group I due to accident; Disability Group I–II due to accident, including for Insured persons under 18; Disability Group I for any reason; Disability Group I–II for any reason; Bodily injuries of the Insured person; Critical illness (list: coronary bypass, organ transplant, myocardial infarction, stroke, malignant tumors, renal failure, paralysis, blindness; list may be extended with Insurer’s consent); Hospitalization due to accident; Hospitalization due to accident and illness first diagnosed during the contract. The exact list of risks is specified in the contract. Limitations: Not accepted (unless agreed otherwise with the Insurer): persons registered in narcological, psychiatric, tuberculosis, dermatological or AIDS clinics; legally incapacitated persons; persons with Group I disability, disabled children; persons with oncology, severe cardiovascular disease, renal failure, insulin-dependent diabetes; persons with chronic nervous system diseases (including epilepsy, consequences of strokes); persons using narcotic or toxic substances; persons with alcoholism; persons in prison.
3	Minimum and maximum insured amounts	Insured amount is determined for each risk by agreement depending on age. Minimum: USD 1,000 / UAH 25,000. Maximum: USD 100,000 / UAH 3,500,000, depending on risk and age. Payment under one risk does not reduce other coverage.
4	Minimum and maximum premium/tariff	Minimum annual premium: USD 10 / UAH 350. Maximum annual premium: calculated depending on insured amount. Premium = insured amount × annual tariff.
5	Deductible	Unconditional deductible — 0 USD/UAH. A waiting period may apply for critical illnesses: 3–90 days.
6	Territory and term of the insurance contract	Territory: Worldwide (excluding RF and RB). Not applicable to: temporarily occupied territories of Ukraine, uncontrolled areas, contact line; territories of hostilities of any kind; occupied, annexed, disputed territories, states not recognized by Ukraine; territories under MFA travel advisories. Coverage in war zones applies if the case is not related to war. Term: 1 year (unless otherwise agreed). The contract enters into force after payment and receipt of applications, but not earlier than the specified start date.
7	Consequences of non-performance of obligations	Failure to fulfill obligations may lead to refusal of payment. If the premium is not paid, the contract is deemed not concluded (unless otherwise agreed).
8	Separate purchase	The insurance product is not an add-on to other goods or services.
9	Discounts and promotions	Not provided.
10	Information of material importance	age, gender; profession, workplace; sports activities; disability; health changes. For group insurance: morbidity of employees; working conditions increasing risks; presence of incapacitated/limited persons; policyholder’s insurable interest; information about existing contracts.
11	Consumer notice	The consumer must review terms, exclusions, and payment rules. Full details in the General Terms of the product “Life and Liability Plus” (code 9000) at https://uniqa.ua/storage/insurance-products/reports-files/9000_umovy_10.04.2025.pdf Before signing, the consumer should review exclusions, refusal grounds, definitions of risks, procedures, and rules for payments.
12	Procedure for taxation of insurance payments and application of tax benefits	The procedure for taxation of surrender values is specified on the Insurer's website at the link https://uniqa.ua/storage/files/shares/Публічна infa/Procedure for taxation of insurance payments.pdf. This insurance product does not provide for tax deductions (tax benefits).