Standard insurance product "My Journey" with code 1608

The object of insurance is:

• In terms of medical expenses – the life, health, and working capacity of the Insured person;
• In terms of expenses other than medical – possible losses or expenses of the Insured person.

Policyholder: JSC “Raiffeisen Bank”.

1. In terms of medical expenses insurance, the insured risks are:
1.1. Sudden illness of the Insured person (acute illness, exacerbation or complication of a chronic illness) that threatens their life or health and requires urgent medical or medical transportation assistance that cannot be postponed until the Insured person returns from an international trip;
1.2. Bodily injury of the Insured person as a result of an accident;
1.3. Acute toothache of the Insured person caused by an acute dental disease or adjacent tissues, or jaw injury as a result of an accident;
1.4. Complications of pregnancy of the Insured person;
1.5. Death of the Insured person as a result of the cases specified in items 1.1, 1.2, 1.4 of this section.

2. In terms of expenses other than medical, the insured risks are:
2.1. Flight delay or cancellation;
2.2. Loss, misplacement or theft of the Insured person’s documents – passport or travel document, driver’s license, vehicle registration certificate owned legally by the Insured person;
2.3. Delay of the Insured person’s flight due to a health condition requiring urgent medical assistance;
2.4. Total loss, disappearance (missing) of baggage during the validity period and within the territory of the Contract, documented and caused by the following events:
• natural disaster (storm, hail, flood, earthquake, hurricane, mudflow, landslide, etc.);
• fire, explosion, lightning strike, firefighting measures;
• theft, robbery, assault;
• delay in baggage delivery by the airline, loss or destruction of baggage by third parties.

Insurance limitations:
Not accepted for insurance:
• persons younger than 18 or older than 60 years at the time of signing the Contract;
• legally incapacitated persons recognized as such under the law.

Insurance amount:
• for medical expenses: 50,000 EUR;
• for expenses other than medical: 2,000 EUR.
Within the insurance amount, liability limits are set for certain risks and cases, which are specified in the Program.
The insurance amount and liability limits are aggregate, meaning they decrease after an insurance indemnity payment is made.

Insurance premium under the contract (per person) – 400 UAH.

Deductible – unconditional:

• for medical expenses: 250 EUR **;
• for expenses other than medical: 0 EUR.

** The deductible applies exclusively to the payment of expenses under clause 5.6.1.2 of the General Terms of the standard insurance product “My Journey” with code 1608 (hereinafter – Terms).

Territory of insurance: Worldwide.

This zone includes all countries of the world, except those listed in the exclusions (clause 1 of this section).
1. Excluded from the Territory of the Contract:
1.1. specific territories of countries (administrative units) where military conflicts are taking place at the time of the Insurance event;
1.2. temporarily occupied, annexed or disputed territories, territories of states not recognized by Ukraine in the prescribed manner;
1.3. Russian Federation, Republic of Belarus;
1.4. Nepal, Indonesia;
1.5. Ukraine (except for the insurance conditions set out in clauses 2.1 and 2.3 of the Insurance Risks section) and the Country of permanent residence or citizenship of the Insured person.

Term: The total term of the Contract is 1 year:

• the total number of days spent abroad (the duration of all trips) during the term of the contract is 60 (sixty) calendar days;
• the number of days of continuous stay of the Insured person during each individual trip shall not exceed 20 (twenty) calendar days.

The contract is issued with the condition of multiple trips with unspecified dates of each individual trip, but with a defined total number of days of the contract’s validity during its overall term and a limited duration of validity for each individual trip, comes into force and Insurance coverage begins at 00:00 Kyiv time on the date specified in the Contract as the start date of the Term of the Contract.

The Contract provides for a Waiting period – 2 days from the date of conclusion of the contract – during which the Insurer is not liable for events that have the characteristics of Insurance cases and is released from the obligation to make an Insurance payment for them, and the Policyholder (Insured person) has no right to receive an Insurance payment for events that occurred during this period.

The Contract is considered not to have entered into force with respect to Insured persons who were outside the territory of Ukraine on the date of conclusion of the Contract.

For failure or improper performance of the terms of the contract, the policyholder bears liability as provided by the legislation of Ukraine.

The existence of circumstances that are exclusions from Insurance cases and insurance limitations provided by these Terms of the Contract is a basis for refusal of the Insurance payment.

In case of non-payment (withdrawal) of the Insurance premium in full or in part, the Contract is considered not to have entered into force, and the Parties do not incur any obligations under such Contract.

The Contract is considered not to have entered into force with respect to Insured persons who were outside the territory of Ukraine on the date of conclusion of the Contract.

The Contract is not supplementary 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 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.

Information that is of material importance for the Insurer's decision to conclude the Contract, and/or on the amount of the Insurance Premium under the Contract, and/or for the assessment of the Insurance Risk includes data on:

• the age of the Insured person,
• the travel destination,
• the type of tourism the Insured person will engage in during the trip,
• the duration and period of the trip,
• the number of trips (optional),
• the health condition of the Insured person,
• the location of the Policyholder / Insured person at the time of concluding the Contract,
• the selected Program and additional risks.

This insurance product requires prior review by the consumer to make an informed decision on concluding the insurance contract.

Full information about the insurance product is disclosed in the General Terms and Conditions of the insurance product "My Travel" with code 1608, available at: https://uniqa.ua/storage/public-offer/partner-reports/1608_Umovy.pdf

Before concluding the insurance contract, the consumer should review the information on exclusions from insurance cases (Section 6 of the General Terms), grounds for refusal of insurance payments (Section 10 of the General Terms), the limits of the insurer's liability for a specific object of insurance, insurance risk and/or insurance case (Section 5 of the General Terms), as well as the procedure for calculation and conditions of insurance payments (Section 9 of the General Terms).