Insurance product "My journey" with code 1620

No	Type of Information	Information to be completed by the Insurer. Insurance Product Programs
		Standard	Comfort	Elite
1	Object of insurance	Object of insurance: for medical expenses — life, health and/or working capacity of the Insured person; for non-medical expenses — possible losses or costs of the Insured person. Conditions are the same for all Programs.
2	Insurance risks and limitations	Insurance risks: For medical expenses: sudden illness (acute, exacerbation or complication of chronic illness) threatening life/health and requiring urgent medical/transport assistance; health disorder due to an accident; acute toothache from illness or injury due to an accident; pregnancy complications; death from the above cases. For non-medical expenses: baggage delay or loss by an airline; accident during travel causing death or disability Group I–II or status “disabled child”; other risks if provided by the Program. Not accepted: persons traveling abroad for treatment; legally incapacitated; abroad at the date of contract. The contract is valid if concluded before the trip and the Insured person was in Ukraine at that time.
3	Minimum and maximum insured amounts	Insured amount is set by agreement depending on the Program: medical expenses: 30,000 / 50,000 / 75,000 EUR/USD; non-medical expenses: 100 – 9,750 EUR/USD (depending on Program). Limits apply by Program. Amounts and limits are aggregate, reduced after payments.
4	Minimum and maximum premium/tariff	Premium (per person): Standard — 5–3,350 EUR; Comfort — 7–5,000 EUR; Elite — 10–5,800 EUR.
5	Deductible	Unconditional deductible — 0%. Waiting period — 2 days from contract date. Same for all Programs.
6	Territory and term of contract	Territory: zone specified in contract: Europe; Worldwide (excluding USA, Canada, Indonesia); Worldwide. Excluded: territories with war, occupied/annexed/disputed, unrecognized, RF, RB, Nepal. Not valid in Ukraine and country of residence/citizenship. Term: 1–60 days. Effective from start date, but not earlier than premium credited. Valid for number of insured days specified. Ends when all insured days are used.
7	Consequences of non-performance	Payment may be refused. If premium not paid, contract not concluded. Same for all Programs.
8	Separate purchase	Product is not an add-on to other goods/services. Same for all Programs.
9	Discounts and promotions	Not provided. Same for all Programs.
10	Information of material importance	Includes: age; destination; type of tourism; duration/period of travel; number of trips (optional); health condition; location at contract signing; chosen Program and extra risks. Same for all Programs.
11	Consumer notice	Consumer must review terms, exclusions, limits, payment procedures. Full info in General Terms “My Journey” (code 1620) at https://uniqa.ua/storage/insurance-products/reports-files/1620_umovy_11.11.2024.pdf Before concluding the contract, the consumer should review exclusions, refusal grounds, definitions of risks and insured events, procedures, and payment conditions.