Standard insurance product "My health Premium"

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

The terms of this clause are the same for all Programs provided under this insurance product.

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 under the Program.

Insurance limitations:

Not accepted for insurance:

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

A child is accepted for insurance only together with an adult.

The terms of this clause are the same for all Programs provided under this insurance product.

Minimum and maximum insurance amount per Insured person:

The insurance amount is aggregate and is determined at the discretion of the Policyholder in the amount of:

75,000 UAH

125,000 UAH

175,000 UAH

Insurance premium (per Insured person):

15,600 UAH

21,000 UAH

27,600 UAH

The product provides for an unconditional deductible for consultations with leading specialists of private clinics, which is specified in the Program (below).

Unconditional deductibles for other Program options are not provided.

Insurance territory: Ukraine, except for:

• temporarily occupied territories of Ukraine as defined by Ukrainian legislation, as well as territories of Ukraine where state authorities temporarily do not exercise their powers, and settlements located along the contact line;
• insurance coverage in the territory of Ukraine (except as specified in the previous point) that is located in a zone of military operations of any kind, regardless of the official recognition of war under law, is provided for insured events that are not causally related to war or military conflicts and any methods or means of their conduct, subject to the exclusions from insured events stipulated by the insurance contract.

Term of the insurance contract — 1 calendar year.

The insurance contract enters into force and coverage begins on the date specified in the insurance contract as the start date of the contract term, but not earlier than the day following the date the insurance premium (or the first installment, if the total insurance premium is paid in parts) is credited to the Insurer’s current account, in the amount and within the time specified in the contract, subject to a waiting period of 7 days.

The terms of this clause are the same for all Programs provided under this insurance product.

If the consumer fails to fulfill the obligations specified in the insurance contract, payment of insurance compensation may be denied. In case of non-payment of the insurance premium / its first installment in the amount and within the time specified in the contract, the insurance contract is considered not concluded (unless otherwise agreed by the Parties to the insurance contract and specified in the contract).

The terms of this clause are the same for all Programs provided under this insurance product.

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

The terms of this clause are the same for all Programs provided under this insurance product.

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

The terms of this clause are the same for all Programs provided under this insurance product.

The information essential for the Insurer’s decision on the amount of the insurance premium under the contract and the assessment of the insurance risk, as well as the inclusion of the Insured Person in the list of insured persons, includes data on:

• the profession of the Insured Person,
• place of work,
• engagement in sports,
• disability status,
• changes in the health condition of the Insured Person,
• existing insurance contracts concluded in relation to the health of the Insured Person.

In the case of collective (group) insurance, information essential for the Insurer’s decision on the insurance premium amount and the assessment of the insurance risk includes data on:

• employees’ morbidity rates,
• 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 relation to the object of insurance,
• existing insurance contracts concluded in relation to the health of the Insured Person.

The terms of this clause are the same for all Programs provided under this insurance product.

Before concluding the insurance contract, it is necessary to review the information on exclusions from insured events and the grounds for denial of insurance payments, the Insurer’s liability limits for a specific object of insurance, insured risk and/or insured event, as well as the calculation procedure and conditions for making insurance payments at the link: https://uniqa.ua/storage/insurance-products/reports-files/1107_umovy_06.01.2025.pdf

The terms of this clause are the same for all Programs provided under this insurance product.

Programs

Standard

Classic

Prestige

Clinic level

Clinics for outpatient and polyclinic care

Class C, B, B+

Class A

Class A+

Clinics for inpatient care

Class C, B

Class C, B

Class A+

Clinics for emergency care and emergency dental care

Class A+

Class A+

Class A+

Services and limits, UAH

Outpatient and polyclinic care, emergency inpatient care and ambulance services

75,000

125,000

175,000

Planned inpatient care, incl. medications

3,000

4,000

5,000

Emergency dental care

500

1,000

2,000

Deductible (unconditional)

For all options, except Consultations with leading specialists of commercial clinics under outpatient and polyclinic care

0%

0%

0%

Consultations with leading specialists of commercial clinics under outpatient and polyclinic care

30% - in class B+ clinics

0% - in class B, C clinics

50% - in class A clinics

0% - in class B+, B, C clinics

50% - in class A+ clinics

30% - in class A clinics

0% - in class B+, B, C clinics