◊ Information document on the standard insurance product "Life and Liability"
No | Type of information | Information to be completed by the insurer |
1 | Object of insurance |
The object of insurance is the life, health and/or working capacity of the Insured person. |
2 | Insurance risks. Limitations of insurance |
Main insurance risk – Death of the Insured person. Additional insurance risks:
Insurance limitations: Not accepted for insurance:
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3 | Minimum and maximum amounts of the insured sum (liability limit) |
The insured sum is set for each selected risk by agreement of the parties, depending on the age of the Insured person, from 1,000 USD / 25,000 UAH up to 100,000 USD / 3,500,000 UAH. The insured sums for each risk are individual, meaning that payment for any risk does not reduce the insured sum for other risks. |
4 | Minimum and maximum amounts of the insurance premium and/or tariff |
Minimum insurance premium (annual): 10 USD / 350 UAH. Maximum insurance premium (annual): calculated depending on the insured sum. |
5 | Type, minimum and maximum deductible (if applicable) |
No deductible is provided under the terms of this insurance product. |
6 | Territory and duration of the insurance contract (including information on the procedure for its entry into force and insurance period(s) (if any)) |
Territory of insurance: Worldwide (except the Republic of Belarus and the Russian Federation). The contract does not apply to:
Insurance coverage within the territory of Ukraine (except the area specified in item No. 1 above) that is in a zone of hostilities of any kind, regardless of official recognition of war under law, is provided for insurance cases that are not causally related to war or military conflicts and any methods of their conduct, taking into account insurance exclusions and limitations. Duration of the insurance contract – from 1 to 25 years. The contract enters into force from the date specified in the Contract as the start date of its validity, but not earlier than the day following the crediting of the insurance premium (or the first installment if the premium is paid in parts) to the Insurer’s current account, in the amount and within the term specified in the Contract, and upon receipt by the Insurer of a duly completed Insurance Application of the Insured person. |
7 | Possible consequences for the consumer in case of failure to fulfill obligations specified in the insurance contract |
If the consumer fails to fulfill obligations specified in the insurance contract, payment of insurance compensation may be denied. If the policyholder fails to fulfill obligations regarding the payment of the insurance premium (or its first installment if paid in parts) within the terms and amounts specified in the contract, the contract is considered not to have entered into force. In case of non-payment of a subsequent installment (if the premium is paid in parts), the contract is terminated. |
8 | Information on 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-related. |
9 | Conditions for obtaining a discount on the insurance product and promotional offers of the insurer |
Discounts and promotional offers are not provided for this insurance product. |
10 | List of information of material importance for assessing insurance risk, and/or information on other circumstances considered when determining the amount of the insurance premium |
Information of material importance for the insurer’s decision on the amount of the premium and the assessment of insurance risk includes data on:
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11 | Procedure for taxation of insurance payments and application of tax benefits |
The procedure for taxation of insurance payments is specified on the Insurer’s website at the link https://uniqa.ua/storage/files/shares/Public info/Procedure for taxation of insurance payments.pdf This insurance product does not provide tax discounts (benefits). |
12 | Conditions for reduction of insured sums and/or payments in case of non-payment of the insurance premium in the amounts and within the terms specified by the contract (if the insurer is granted the right to unilaterally reduce insured sums and/or payments) |
The terms of this insurance product do not provide the Insurer with the right to unilaterally reduce insured sums and/or payments. |
13 | Amount and procedure for determining possible benefits exceeding the insured sums and/or payments established by the contract (if such benefits are provided by the product terms) |
The Policyholder under the Contract is not entitled to bonuses (benefits) from the placement and management of assets covering the Insurer’s relevant technical reserves. The Contract does not provide for an increase of the insured sum and/or payments by amounts determined by the Insurer once a year based on its annual financial results (participation in the Insurer’s profits), taking into account the requirements of the National Bank of Ukraine regulations. |
14 | Consumer warning about the need to review information before concluding the insurance contract, including links to such information |
Warning: before concluding the insurance contract, it is necessary to review the information about exclusions from insurance cases and grounds for refusal of insurance payments, the limits of the insurer’s liability for a specific object of insurance, risk and/or insurance case, as well as the calculation procedure and conditions for insurance payments at the link: https://www.uniqa.ua/storage/insurance-products/reports-files/9007_umovy_22.08.2025.pdf |