Standard insurance product "Health insurance"

An insurance risk is the occurrence of a disease in the Insured Person from the list specified in the Table “List of Diseases and Surgical Interventions and the Amounts of Payments Therefor,” Appendix No. 1 to the General Terms of the insurance product "Health Insurance", available at the following link (hereinafter — the Payment Table).

Insured events:

1. Death of the Insured Person as a result of the insured risk.
2. Illness of the Insured Person in accordance with the Payment Table.
3. Surgical intervention undergone by the Insured Person in accordance with the Payment Table.

Insurance limitations:

The following persons cannot be insured:

• persons under 1 year old or over 69 years old at the time of concluding the Contract;
• persons who reach 70 years during the term of the Contract;
• persons legally declared incapacitated;
• persons suffering from severe diseases of the nervous system (brain tumor, spinal cord or vertebral column tumor, nervous system damage due to malignant neoplasms, brain death, spinal injury, acute cerebrovascular accident (stroke), acute necrotic encephalitis) or having malignant tumors;
• persons with mental illnesses (registered in narcological or psychoneurological dispensaries);
• HIV-infected persons.

The insurance sum is chosen by the Policyholder when concluding the Contract from the following options:
- 50,000 UAH;
- 75,000 UAH;
- 100,000 UAH.

The Insurer’s liability limits for specific diseases are indicated in the Payment Table. You can review the Payment Table at the following web page.

Insurance premium:

• for a monthly payment: from 55 UAH to 500 UAH
• for an annual payment: from 660 UAH to 6,000 UAH

Annual insurance rate: from 1.32% to 6.0% of the insured sum.

Not applicable.

Territory of the contract – the territory of Ukraine.

The Contract does not apply to:
- territories of Ukraine that are temporarily occupied; territories where the state authorities of Ukraine temporarily do not exercise their powers; settlements located on the line of contact; areas of active hostilities where military (combat) actions are taking place on the date of the event having signs of an insured event.

Term of the contract — 1 year with the possibility of extension (renewal).

The Contract takes effect at 00:00 (Kyiv time) on the start date of the Contract, but not earlier than the day following the payment of the insurance premium in the amount specified in the Contract to the Insurer’s account. The Contract remains valid until 24:00 (Kyiv time) on the end date specified in the Contract, unless other circumstances lead to early termination.
The Contract term is divided into insurance periods — 1 year or 1 month (chosen by the Policyholder when concluding the Contract).
Insurance protection during each insurance period is valid only if the premium for that period has been paid according to the Contract.
The Contract is automatically extended for the same duration under the same conditions, unless either Party declares its intention to terminate it.

A waiting period for insured events is established under the Contract — a time interval from the effective date of the Contract (or the date of reinstatement of the Insurer’s liability after paying part of the insurance premium for an unpaid period), during which any diagnosed illness or first recorded symptoms are not grounds for receiving payments under the Contract.
During subsequent renewals of the Contract for the same Insured Person, the waiting period does not apply if there was no interruption between the end and continuation of the Contract.

Waiting periods for each disease are specified in calendar days and listed in the Payment Table (Appendix No. 1 to the General Terms).

For failure or improper fulfillment of the terms of the contract, the Policyholder bears responsibility as provided by law.

Failure by the Policyholder (Insured Person) to fulfill their obligations defined in the insurance contract may be grounds for the Insurer’s refusal to make an insurance payment.

The Insurer has the right to refuse payment if the Insured Person fails to take the actions stipulated by the insurance contract upon the occurrence of an event having signs of an insured event.

Events occurring during a period for which the insurance premium has not been paid within the time limits specified by the contract are not recognized as insured events.

The contract is not an add-on 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 any additional or related services from the Insurer and/or third parties related to the provision of the financial service under the Contract. 

Discounts and promotional offers are not available and do not apply.

When concluding the Contract, the Policyholder must provide the Insurer with information about the existence of an insurable interest regarding the insured object, and all known circumstances essential for assessing the insurance risk (determining the likelihood and probability of the insured event and potential losses). The Policyholder must also inform the Insurer of any subsequent changes in such circumstances within five (5) working days of their occurrence.

The list of information the Policyholder must provide to the Insurer (or Insurance Agent) before concluding the Contract, which is essential for the Insurer’s decision to enter into the Contract and/or determine the insurance premium amount, includes:
- surname, first name, and (if applicable) patronymic of the Insured Person;
- place of residence / stay of the Insured Person;
- date of birth of the Insured Person;
- taxpayer registration number;
- number (and, if applicable, series) of the Ukrainian citizen’s passport (or other identification document permitted by Ukrainian law for contractual purposes), date of issue, issuing authority, and residence information;
- confirmation that the Insured Person does not have conditions or diseases that would make them ineligible for insurance. The absence of such circumstances and diseases is confirmed by the Policyholder through signing the Policy;
- information on existing insurance contracts concluded for the insured object.

This insurance product requires prior review by the consumer to make an informed decision about entering into the insurance contract.

Before concluding the insurance contract, the consumer must familiarize themselves with information regarding exclusions from insured events, grounds for refusal of insurance payments, the insurer’s liability limits for each insured object, risk and/or event, as well as the calculation procedures and conditions for insurance payments, which are contained in the General Terms of the insurance product “Health Insurance” (the public part of the insurance contract), available at: https://uniqa.ua/storage/public-offer/partner-reports/1505_umovy.pdf