Standard insurance product "Confidence 24/7" with code 1212/1

The life, health, and working capacity of the Insured person.

Policyholder: JSC "Raiffeisen Bank".

Insurance risk: The occurrence of an accident involving the Insured person.

An insurance event under the Contract is the occurrence of an insurance risk – an accident – which results in the following events:
1. Traumatic injuries to the body of the Insured person as a result of the Accident
(hereinafter – “Traumatic injuries”);
2. Permanent loss of working capacity (establishment of disability Group I / recognition as a
“Child with a disability”) of the Insured person as a result of the Accident;
3. Death of the Insured person as a result of the Accident.

Insurance limitations
Not accepted for insurance:

• persons under 18 or over 60 years of age at the time of concluding the insurance contract;
• incapacitated persons recognized as such in accordance with the law.

The insurance sum under the insurance contract is set at 165,000 UAH.
The insurance sum applies in total to all insurance events provided for in the contract.
Within the insurance sum, the Insurer’s liability limit for the insurance event “Traumatic injuries” is set at 45,000 UAH.

The insurance sum is aggregate, meaning it is reduced after the payment of insurance compensation, except in cases of death and establishment of Group I disability of the Insured person as a result of an accident.

The total insurance payment (for the duration of the insurance contract) is calculated as the product of the total insurance sum and the insurance tariff and is set at 300 UAH.

Deductible — not applicable.

Territory of insurance: Worldwide.

The insurance contract does not apply:
1. to the temporarily occupied territories of Ukraine;
2. to the territories of Ukraine where state authorities temporarily do not exercise their powers, and in settlements located on the contact line;
3. to areas of military operations of any kind;
4. to temporarily occupied, annexed, or disputed territories, territories of states not officially recognized by Ukraine;
5. to territories for which the Ministry of Foreign Affairs of Ukraine has issued a recommendation to refrain from traveling prior to the Insured person crossing the border;
6. to the territories of the Russian Federation and the Republic of Belarus.

Term of the insurance contract — 1 year.

The contract enters into force and the insurance coverage becomes valid from 00:00 Kyiv time on the date specified in the Contract as the start date of its validity. The contract and insurance coverage remain valid until 24:00 Kyiv time on the date specified in the Contract as the end date of its validity, unless other circumstances provided for in the Contract lead to early termination.

The contract establishes a waiting period for insurance events, during which the Insurer does not make insurance payments for events that occurred on the day of crediting the total insurance payment and within the following 6 (six) calendar days from the date of crediting the total insurance payment to the Insurer’s current account.

For failure or improper fulfillment of the terms of the contract, the policyholder bears responsibility as provided by the legislation of Ukraine.

The existence of circumstances that are exclusions from insurance events and insurance limitations specified in these Contract Terms is grounds for refusal of an insurance payout.

The contract is not an addition to other goods, works, or services that are not insurance-related. In connection with the conclusion of the Contract, there is no need to obtain additional or related services from the Insurer and/or third parties related to the receipt of the financial service under the Contract.

Discounts and promotional offers are absent and do not apply.

Information that is of material importance for the Insurer’s decision to conclude the Contract, and/or the amount of the Insurance Premium under the Contract, and/or for the assessment of the insurance risk includes data on: the age of the Insured person, changes in the health status of the Insured person, as well as the existence of an insurance interest regarding the Object of insurance.

This insurance product requires prior review by the consumer 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 "Confidence 24/7" with code 1212/1, available at the link: https://uniqa.ua/storage/public-offer/partner-reports/1212_1_umovy_17.07.2024.pdf

Before concluding the insurance contract, the consumer should review the information on exclusions from insurance events (Section 6 of the General Terms) and grounds for refusal of insurance payments (Section 10 of the General Terms), limits of the insurer’s liability for a specific object of insurance, insurance risk and/or insurance event (Section 5 of the General Terms), as well as the procedure for calculating and conditions for making insurance payments (Section 9 of the General Terms).