Insurance product "My Protection Credit "

→ General terms and conditions of the insurance product "My Credit Protection"

→ Information document on the insurance product “My Credit Protection”

No.	Type of information	Information to be completed by the insurer
1	Object of insurance	The object of insurance is the life, health and working capacity of the Insured person.
2	Insurance risks. Insurance events. Insurance limitations	Insurance risks may include: under health insurance – Illness of the Insured person; under accident insurance – occurrence of an Accident involving the Insured person. An insurance event under the Contract is an event provided for in items 1–2 above, which occurred within the territory of validity of the Contract during the period of insurance coverage, confirmed by documents, and led to: - under accident insurance, unless otherwise provided by the Contract: establishment of Disability Group I for the Insured person as a result of an Accident; establishment of Disability Group II for the Insured person as a result of an Accident; Death of the Insured person as a result of an Accident; - under health insurance, unless otherwise provided by the Contract – Death of the Insured person as a result of Illness. Not eligible for insurance: persons younger than 18 years old at the date of conclusion of the insurance contract and older than 60 years old at the date of termination of the insurance contract; legally incapacitated persons, recognized as such in accordance with the law.
3	Minimum and maximum amounts of the insurance sum (liability limit)	The insurance sum is determined by agreement of the Parties in the amount of the Policyholder’s debt under the credit agreement.
4	Minimum and maximum amounts of the insurance premium and/or insurance tariff	The insurance tariff is determined by agreement of the Parties. Minimum and maximum annual insurance tariff: from 0.09% to 5.00% of the insurance sum under the insurance contract. Insurance premium = insurance tariff × insurance sum.
5	Type, minimum and maximum amounts of deductible (if any)	Not applicable.
6	Territory and term of the insurance contract (including information on the procedure of its entry into force and insurance period(s), if any)	Territory of the insurance contract – worldwide. The insurance coverage does not apply: - to the temporarily occupied territories of Ukraine, as defined by Ukrainian legislation; territories of Ukraine where state authorities temporarily do not exercise their powers; settlements and territories located on the demarcation line, as well as areas of military actions of any kind, regardless of the official recognition of war under the law; - to territories outside Ukraine in zones of military actions of any kind, regardless of the official recognition of war under the law; temporarily occupied, annexed or disputed territories; territories of states not officially recognized by Ukraine; territories for which the Ministry of Foreign Affairs of Ukraine has issued a recommendation to refrain from travel before the Insured person crosses the border. The coverage territory and the territories excluded from the insurance contract are specified in the terms of the specific insurance agreement. The term of the contract is determined by the Parties when concluding the insurance agreement and equals the term of the credit agreement. The contract enters into force and the insurance coverage becomes effective at 00:00 Kyiv time on the date following the date of crediting the insurance premium (the first installment of the Total insurance premium, if the Total premium is paid in installments) for the first insurance period to the Insurer’s current account, in the amount and within the time specified in the insurance agreement, but not earlier than 00:00 Kyiv time on the date indicated in the insurance agreement as the start date of the contract.
7	Possible consequences for the consumer in case of failure to fulfill obligations specified in the insurance contract	In case of non-fulfillment or improper fulfillment of the terms of the Contract, the Parties bear responsibility in accordance with the current legislation of Ukraine. The Insurer is released from the obligation to make an insurance payment for events for which, at the time of their occurrence, there was overdue debt on the payment of the insurance premium (a part of the Total insurance premium if it is paid in installments) under the Contract. Failure of the Policyholder (Insured person), heir of the Insured person, or Beneficiary to notify the Insurer in due time of the occurrence of an insured event without valid reasons, untimely submission of documents for the insurance payment without valid reasons, or failure to perform other obligations specified in the Contract or by law, if this made it impossible for the Insurer to establish the fact, cause and circumstances of the insured event or the amount of damage (loss), constitutes grounds for refusal to make the insurance payment.
8	Information on the possibility to purchase the insurance product separately, if such product is offered together with an ancillary and/or additional item, work or service that is not insurance-related, as part of a single package or contract	The Contract is additional to banking services under the Credit agreement specified in the Contract. In connection with the conclusion of the Contract, there is no need to obtain additional or ancillary services from the Insurer and/or third parties related to the financial service under the Contract.
9	Conditions for obtaining a discount on the insurance product and promotional offers of the insurer	Discounts and promotional offers are not available and do not apply.
10	List of information that is essential for assessing the insurance risk and/or information about other circumstances taken into account when determining the amount of the insurance premium	Before concluding the Contract, the Policyholder (the Insured person) is obliged to provide the Insurer with information that is essential for the Insurer to make a decision on concluding the Contract and/or on the amount of the insurance premium under the Contract, including information about circumstances that are essential for assessing the insurance risk (determining the probability of the occurrence of an insured event and the amount of possible losses), and during the term of the Contract, no later than 5 (five) working days after any changes, to notify the Insurer in writing of any changes in circumstances essential for assessing the insurance risk and/or other circumstances that affect the amount of the insurance premium under the Contract. Information that is essential for the Insurer’s decision on concluding the Contract and/or the amount of the insurance premium under the Contract and/or for assessing the insurance risk includes data on the age of the Insured person, type of activity or profession of the Insured person, place of work, sports activities, changes in the health condition of the Insured person, unless otherwise provided by the Contract.
11	Consumer warning about the need to review, before concluding the insurance contract, the information on exclusions from insured events and grounds for refusal of insurance payments, the insurer's liability limits for a particular insured object, insurance risk and/or insured event, as well as the calculation procedure and conditions for insurance payments, including references to such information.	This insurance product requires the consumer to review it in advance in order to make an informed decision about entering into the insurance contract. Full information about the insurance product is disclosed in the General Terms and Conditions of the insurance product "My Protection Credit", available at the link: https://uniqa.ua/storage/public-offer/categories/1411_Miy_zakhyst_kredyt_umovy_01.07.2024.pdf Before concluding the insurance contract, the consumer is advised to review the information on exclusions from insured events (Section 6 of the General Terms), grounds for refusal of insurance payments (Section 10 of the General Terms), the insurer’s liability limits for a particular insured object, insurance risk and/or insured event (Section 5 of the General Terms), as well as the calculation procedure and conditions for insurance payments (Section 9 of the General Terms).