Standard insurance product "Light packages"

The object of insurance is the health of the Insured person.

The insurance product provides one Program «Emergency Care» (hereinafter – the Program).

Insurance risks:

• Acute illness of the Insured person;
• Exacerbation of a chronic illness of the Insured person;
• Health disorder as a result of an accident involving the Insured person;
• Other health disorders and/or cases provided for by the Program.

Insurance limitations:

The following are not accepted for insurance:

• persons aged 0 to 6 years and over 59 years;
• persons with disabilities of groups 1 or 2, and persons with childhood disabilities;
• persons legally declared incapacitated;
• HIV-positive persons, AIDS patients;
• persons who, at the date of conclusion of the insurance contract, are undergoing outpatient or inpatient treatment (hospitalized);
• persons suffering from severe decompensated forms of diseases of the cardiovascular, endocrine, urinary, nervous, musculoskeletal and other systems; malignant tumors in medical history;
• persons suffering from mental and behavioral disorders, tuberculosis, venereal diseases, alcoholism, drug addiction, substance abuse.

Minimum and maximum insurance sum: the insurance sum under the Program is 250,000 UAH.

The total insurance sum under the insurance contract is aggregate, meaning it decreases after the Insurance Payout is made under any risk by the amount of the payout made.

The insurance premium for the «Emergency Care» Program is:

• monthly: 58 UAH;
• annual: 696 UAH.

General deductible under the insurance contract – 0 UAH.

Waiting period deductible under the insurance contract – 7 days from the date of contract conclusion (payment of the first month’s insurance premium).

Territory of insurance: Ukraine.

The insurance contract does not apply:

• to temporarily occupied territories of Ukraine defined by Ukrainian legislation, as well as to territories where state authorities temporarily do not exercise their powers, and to settlements located along the contact line.
• Insurance coverage within the territory of Ukraine (except as noted in the previous point) that is located in a zone of hostilities of any kind, regardless of the official recognition of war under legal norms, is provided for Insurance Cases that are not causally related to war or armed conflicts and any methods of their conduct, taking into account the exclusions from Insurance Cases provided for in the insurance contract.

Term of the insurance contract – 1 calendar year.

The insurance contract enters into force on the date specified in the contract as the start date of its validity, and taking into account the waiting period deductible – 7 calendar days from the date of conclusion of the insurance contract.

If the consumer fails to fulfill the obligations defined by the insurance contract, payment of insurance compensation may be refused.

The insurance product is not an add-on to other goods, works, or services that are not insurance-related.

Discounts and promotional offers are not provided for this insurance product.

Information significant for the Insurer’s decision on the amount of the insurance premium under the contract and the assessment of insurance risk, including the inclusion of the Insured person in the list of Insured persons, includes data on:

• the Insured person’s profession,
• place of work,
• sports activities,
• any disability group,
• changes in the health condition of the Insured person.

When insuring a group (collective), information significant for the Insurer’s decision on the amount of the insurance premium and the assessment of insurance risk includes data on:

• employee morbidity,
• changes in working conditions that increase the risk of illness or injury,
• the presence of incapacitated or partially incapacitated persons subject to insurance,
• the Insurer’s insurable interest in the object of insurance,
• existing insurance contracts concluded regarding the health of the Insured person.

Before concluding the insurance contract, it is necessary to review information on exclusions from insurance cases and the grounds for refusal of insurance payments, the insurer’s liability limits for a particular object of insurance, insurance risk and/or insurance case, as well as the procedure for calculation and conditions of insurance payments at the following link: https://uniqa.ua/storage/insurance-products/reports-files/1112_umovy_12.07.2024.pdf

• 24/7 ambulance call

• diagnosis of emergency conditions and provision of emergency
  medical care

• transportation to a medical facility for hospitalization by ambulance

Vehicles outside the 50-kilometer zone from checkpoints / administrative boundaries of Kyiv and regional centers of Ukraine are paid for by the Insured person.

• consultations with doctors of all specialties in inpatient settings

• placement in a ward (placement in higher comfort wards is possible if free beds are available in the medical facility)

• laboratory and diagnostic tests in inpatient settings as prescribed by a doctor

• therapeutic treatment in inpatient settings as prescribed by a doctor

• surgical treatment in inpatient settings as prescribed by a doctor

• anesthesia

• physiotherapy in inpatient settings

• medication supply in inpatient settings as prescribed by a doctor (the list of covered drugs also includes hormone replacement therapy drugs, statins, chondroprotectors, hepatoprotectors, enzymes – provided they are prescribed by a doctor as part of comprehensive treatment for up to 30 days per case in case of acute illness or exacerbation of a chronic illness)