Standard insurance product "My health" with code 1117

◊ Information document on the standard insurance product "My Health" with code 1117

No	Type of Information	Programs
		Basic	Extended	Optimal
1	Object of Insurance	The object of insurance is the health of the Insured person. The conditions of this clause are the same for all Programs provided by this insurance product.
2	Insurance Risks. Limitations of Insurance	Insurance risks: Acute illness of the Insured person; Exacerbation of a chronic illness of the Insured person; Health disorder resulting from an accident involving the Insured person. Limitations of insurance: Not accepted for insurance: persons over 59 years of age at the date of the contract; persons with any disability group and persons with childhood disability; persons declared legally incapable; HIV-infected persons, AIDS patients; persons who, on the date of the contract, are undergoing outpatient or inpatient treatment (hospitalized); persons suffering from severe decompensated forms of cardiovascular, endocrine, excretory, nervous, musculoskeletal and other systems diseases; malignant neoplasms in medical history; persons suffering from mental and behavioral disorders, patients with tuberculosis, venereal diseases, alcoholism, drug addiction, substance abuse. A child under 15 years of age is insured only together with an adult. The conditions of this clause are the same for all Programs provided by this insurance product.
3	Minimum and Maximum Insurance Amounts (Liability Limits)	Minimum insurance amount – 75,000 UAH per Insured person. Maximum insurance amount – 150,000 UAH per Insured person. The insurance amount depends on the selected Program of the insurance product and is set for each Insured person:
		75,000 UAH	125,000 UAH	150,000 UAH
4	Minimum and Maximum Insurance Premiums and/or Insurance Rates	Minimum and maximum insurance premium (per person):
		from UAH 2,300 to UAH 2,700	from UAH 6,500 to UAH 10,900	from UAH 11,900 to UAH 19,200
		The insurance payment amounts provided for each Program are specified in the Table "Insurance amounts and insurance payments (liability limits) under the Programs of the insurance product 'My Health' with code 1117" (below).
5	Type, Minimum and Maximum Deductibles (if any)	The product provides for an unconditional deductible. Minimum deductible – 0% (for all options except Outpatient and Polyclinic care). Maximum deductible – 30% (for Outpatient and Polyclinic care options). The deductible amounts provided for each Program within the corresponding service (option) are specified in the Table "Insurance amounts and insurance payments (liability limits) under the Programs of the insurance product 'My Health' with code 1117" (below).
6	Territory and Term of the Insurance Contract (including information on the commencement procedure and insurance period(s), if any)	Territory of insurance: Ukraine, except: temporarily occupied territories of Ukraine, as defined by Ukrainian legislation, as well as territories where state authorities temporarily do not exercise their powers, and settlements located along the demarcation line; Insurance coverage in the territory of Ukraine (excluding the one specified in the previous point) that is in a zone of military operations of any kind, regardless of the official recognition of war under the law, is provided for insured events that are not causally related to war or armed conflicts and any methods or means of their conduct, taking into account the exclusions from insured events provided for in the insurance contract. Term of the insurance contract – 1 calendar year. The insurance contract enters into force and coverage begins from the date specified in the contract as the start date of the term of the insurance contract, but not earlier than the day following the date the insurance premium (or the first installment, if the total premium is paid in parts) is credited to the Insurer’s current account, in the amount and within the period specified in the insurance contract. The conditions of this clause are the same for all Programs provided under this insurance product.
7	Possible consequences for the consumer in case of failure to fulfill obligations specified in the insurance contract	If the consumer fails to fulfill the obligations specified in the insurance contract, payment of insurance indemnity may be refused. If the insurance premium is not paid in the amount and within the terms specified in the insurance contract, the contract is considered not concluded. The conditions of this clause are the same for all Programs provided under this insurance product.
8	Information on the possibility of purchasing the insurance product separately	The insurance product is not an add-on to other goods, works, or services that are not insurance-related. The conditions of this clause are the same for all Programs provided under this insurance product.
9	Conditions for obtaining a discount on the insurance product and promotional offers of the insurer	Discounts and promotional offers are not provided under this insurance product. The conditions of this clause are the same for all Programs provided under this insurance product.
10	List of information essential for assessing the insurance risk and/or information on other circumstances considered when determining the amount of the insurance premium	The following information is essential for the Insurer’s decision on concluding the insurance contract and/or on the amount of the insurance premium under the contract and/or for assessing the insurance risk: data on the age of the Insured person; presence of disability; changes in the health status of the Insured person; existence of an insurable interest of the Policyholder in relation to the object of insurance; information on existing insurance contracts concluded in relation to the health of the Insured person. The conditions of this clause are the same for all Programs provided under this insurance product.
11	Consumer warning on the need to review information before concluding the insurance contract, including references to such information	Before concluding the insurance contract, it is necessary to review the information on exclusions from insured events and the grounds for refusal to make insurance payments, the liability limits of the insurer for a specific object of insurance, insurance 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/1117_umovy_06.01.2025.pdf The conditions of this clause are the same for all Programs provided under this insurance product.

Insurance sums and premium amounts (liability limits)

under the Programs of the insurance product "My Health" with code 1117

Clinic classes:

Class 1 – brand-name and commercial medical institutions of the high price category

Class 2 – commercial medical institutions of the medium price category

Class 3 - commercial medical institutions of the low price category, departmental, municipal

Programs	Basic	Extended	Optimal
Insurance sum per one Insured person, UAH
	75,000	125,000	150,000
Insurance premium per one Insured person, UAH
0 – 4 years	2,700	10,900	19,200
5 – 15 years	2,300	6,900	12,900
16 – 59 years	2,300	6,500	11,900
Clinic level
	Class 1 - 3
Services and limits
Emergency care, incl. diagnostics of emergency conditions and medications	Yes, within the insurance sum, deductible 0%	Yes, within the insurance sum, deductible 0%	Yes, within the insurance sum, deductible 0%
Inpatient care (emergency), incl. hospitalization, diagnostics and medications	Yes, within the insurance sum, deductible 0%	Yes, within the insurance sum, deductible 0%	Yes, within the insurance sum, deductible 0%
Inpatient care (planned)	X	X	X
Organization of online consultations with doctors via the “MEDIKIT” platform	Yes, within the insurance sum, deductible 0%	Yes, within the insurance sum, deductible 0%	Yes, within the insurance sum, deductible 0%
Primary and follow-up consultations of doctors of various specialties in outpatient settings	X	Yes, within the insurance sum, deductible 30%	Yes, within the insurance sum, deductible 30%
Laboratory and instrumental diagnostics (incl. CT/MRI) in outpatient settings	X	X	Yes, within the insurance sum, deductible 30%
Doctor (therapist/pediatrician) home visits, issuance and management of medical documentation (sick leave certificates) by licensed medical institutions	X	X	Yes, within the insurance sum, deductible 30%
Medications for outpatient-polyclinic care	X	X	X

X – option not covered

A full description of the insurance product programs can be found in the General Terms of the standard insurance product “My Health” with code 1117, via the link https://uniqa.ua/storage/insurance-products/reports-files/1117_umovy_06.01.2025.pdf.