Insurance product "My journey" with code 1620

No.	Type of information	Information to be completed by the insurerProgram of the insurance product (Program)
		Standard	Comfort	Elite
1	Object of insurance	Object of insurance: in terms of medical expenses — the life, health and/or working capacity of the Insured person; in terms of expenses other than medical — possible losses or expenses of the Insured person. The conditions of this clause are the same for all Programs provided under this insurance product.
2	Insurance risks and limitations of insurance	Insurance risks: In terms of medical expenses, insurance risks include: sudden illness of the Insured person (acute illness, exacerbation or complication of a chronic illness) threatening their life or health and requiring urgent medical or medical transport assistance; health disorder of the Insured person as a result of an accident; acute toothache of the Insured person resulting from an acute dental disease or adjacent tissue disease, or jaw injury due to an accident; complications of pregnancy of the Insured person; death of the Insured person as a result of the cases specified in the previous points. 2. In terms of expenses other than medical: delay in delivery or loss of the Insured person’s baggage by the air carrier; an accident during the trip that resulted in death or permanent loss of working capacity of the Insured person (establishment of disability of group I, group II, or status “child with disability”); other risks, if provided by the Insurance Program. The full list of insurance risks provided for each Program is given in the table “Insurance risks and amounts of insurance sums (liability limits) by Programs of the insurance product ‘My Travel’ code 1620” (below). Not eligible for insurance are persons who: travel abroad for the purpose of treatment; are recognized as legally incapable according to the law; were outside Ukraine at the date of concluding the insurance contract. The insurance contract is valid provided it is concluded before the start of the trip and on the date of conclusion the Insured person is in Ukraine (unless otherwise agreed with the Insurer). The conditions of this clause are the same for all Programs provided under this insurance product.
3	Minimum and maximum insurance sum amounts (liability limit)	The insurance sum is set by agreement of the Parties depending on the Program and chosen by the Policyholder from the following options: for medical expenses: 30,000 EUR/USD, 50,000 EUR/USD, 75,000 EUR/USD; for expenses other than medical: from 100 EUR/USD to 9,750 EUR/USD (depending on the chosen Program). Within the insurance sum, liability limits for individual risks and cases are set, depending on the chosen Program. The list of insurance risks and limits for each Program is provided in the table “Insurance risks and amounts of insurance sums (liability limits) by Programs of the insurance product ‘My Travel’ code 1620” (below). The insurance sum and liability limits are aggregate, i.e. decrease after insurance compensation payments.
4	Minimum and maximum insurance premium amounts and/or insurance rate	Minimum and maximum insurance premium (per person): for Standard Program — from 5 EUR to 3,350 EUR; for Comfort Program — from 7 EUR to 5,000 EUR; for Elite Program — from 10 EUR to 5,800 EUR.
5	Type, minimum and maximum deductible amounts (if applicable)	Unconditional deductible under the insurance contract — 0%. Time deductible under the insurance contract — 2 days from the date of concluding the insurance contract. The conditions of this clause are the same for all Programs provided under this insurance product.
6	Territory and term of the insurance contract (including information on the procedure for its commencement and insurance period(s), if any)	Territory of insurance: the travel area specified in the contract as one of the geographical zones, namely: Europe; Worldwide (except the USA, Canada, Indonesia); Worldwide. Excluded from the territory of the insurance contract: certain territories of countries (administrative units) where military conflicts occur during the insured event; temporarily occupied, annexed or disputed territories; territories of states not recognized by Ukraine in the prescribed manner; Russian Federation, Republic of Belarus; Nepal. The insurance contract does not apply on the territory of Ukraine, the country of permanent residence or nationality of the Insured person. Term of the insurance contract (unless otherwise agreed with the Insurer) — from 1 to 60 calendar days. The insurance contract enters into force on the date specified in the contract as the start date of the term of the contract, but not earlier than the day following the date of crediting the insurance premium to the Insurer’s current account in the amount and within the period specified in the contract. The insurance contract is valid for the number of insured days specified in the contract. If all insured days are used (the number of used insured days is determined by summing the days spent outside Ukraine during the validity period of the contract), the contract terminates due to the Insurer fulfilling its obligations to the Insured person in full. The conditions of this clause are the same for all Programs provided under this insurance product.
7	Possible consequences for the consumer in case of failure to fulfill obligations defined by the insurance contract	In case the Policyholder/Insured person fails to fulfill the obligations defined by the insurance contract, payment of insurance compensation may be denied. If the Policyholder fails to pay the insurance premium within the terms specified in the insurance contract, the contract is considered not concluded. The conditions of this clause are the same for all Programs provided under this insurance product.
8	Information about the possibility to purchase the insurance product separately	The insurance product is not an add-on to other goods, works or services that are not insurance. The conditions of this clause are the same for all Programs provided under this insurance product.
9	Conditions for obtaining a discount on the insurance product and promotional offers of the insurer	Discounts and promotional offers are not provided and not applicable for this insurance product. The conditions of this clause are the same for all Programs provided under this insurance product.
10	List of information significant for insurance risk assessment and/or other circumstances considered in determining the amount of the insurance premium	Information of material importance for the Insurer’s decision to conclude the insurance contract and/or determine the amount of the insurance premium and/or assess the insurance risk (unless otherwise provided in the contract) includes details about: age of the Insured person; destination of the trip; type of tourism the Insured person will engage in during the trip; duration and period of the trip; number of trips (optional); health condition of the Insured person; location of the Policyholder / Insured person at the moment of concluding the contract; chosen Program and additional risks. The conditions of this clause are the same for all Programs provided under this insurance product.
11	Consumer warning about the need to familiarize themselves with information on exclusions from insured events and grounds for refusal of insurance payments, insurer’s liability limits for a particular object of insurance, risk and/or insured event, as well as the procedure and conditions of insurance payments, including references to such information	This insurance product requires the consumer’s review in order to make an informed decision about concluding the insurance contract. Full information about the insurance product is disclosed in the General Terms of the insurance product “My Travel” with code 1620, available at https://uniqa.ua/storage/insurance-products/reports-files/1620_umovy_11.11.2024.pdf Before concluding the Insurance Contract, the consumer should familiarize themselves with information about exclusions from insured events (Section 6 of the General Terms), grounds for refusal of insurance payments (Section 10), the definition of insurance risk and insured event (Section 5), procedures in case of an insured event (Section 7), as well as the procedure and conditions for insurance payments (Section 9).