Standard insurance product "My Journey" with code 1613

No.

Type of information

The insured object is:

• for medical expenses — the life, health, and working capacity of the Insured person;
• for expenses other than medical — potential losses or expenses of the Insured person.

The conditions of this item are the same for all Programs provided by this insurance product.

1. Insurance risks:

1.1. for medical expenses insurance, the risks are:

1) sudden illness of the Insured person (acute illness, exacerbation or complication of a chronic illness) that threatens the life and health of the Insured person and requires urgent medical and medical transport assistance;

2) health disorder of the Insured person as a result of an accident;

3) acute toothache resulting from an acute dental disease or adjacent tissue condition, or jaw injury due to an accident;

4) complications of pregnancy of the Insured person;

5) death of the Insured person as a result of the events specified in items 1), 2), 4) of this section.

1.2. for expenses other than medical, the insurance risks are:

1) delay in delivery or loss of baggage by the airline;

2) delay or cancellation of a flight;

3) loss, misplacement, or theft of personal documents of the Insured person — passport or travel document, driver’s license, or vehicle registration certificate legally owned by the Insured person;

4) early return of the Insured person from abroad in case of death of a Close relative of the Insured person and return to the country of their temporary stay;

5) filing a claim during travel, which may lead to expenses of the Insured person for lawyer services and bail payment in the country of temporary stay;

6) accident during travel that resulted in permanent disability of the Insured person (assignment of disability group I or II, status of “child with disability”) or in the death of the Insured person. An event under this risk is considered an Insurance case if its consequences occurred within 12 (twelve) months from the date of the accident.

The list of insured risks provided for each Program is given in the Table “Insurance risks and amounts of insurance sums (liability limits) by Programs of the insurance product ‘My Travel’ with code 1613” (below).

2. Limitations of insurance:
Not eligible for insurance:
- legally incapacitated persons;
- persons who have reached 86 full years as of the date of the contract conclusion.

The insurance contract is valid provided that it is concluded before the start of the trip and on the date of conclusion the Insured person was on the territory of Ukraine.

The conditions of this section (limitations of insurance) are the same for all Programs provided by this insurance product.

The insurance sum is set by agreement of the Parties depending on the Program and is chosen by the Policyholder from the following options:

• for medical expenses: 30,000 EUR/USD, 50,000 EUR/USD, or 75,000 EUR/USD;
• for expenses other than medical: from 100 EUR/USD to 9,750 EUR/USD.

The amounts of insurance sums provided for each Program are given in the Table “Insurance risks and amounts of insurance sums (liability limits) by Programs of the insurance product ‘My Travel’ with code 1613” (below).

Minimum and maximum insurance premium (per person):

Unconditional deductible under the insurance contract — 0%.

Waiting period under the insurance contract — 2 days from the contract date.

The conditions of this item are the same for all Programs provided by this insurance product.

Insurance territory: the travel territory specified in the contract as one of the geographic zones, namely:

• Europe;
• Worldwide (excluding the USA, Canada, Indonesia);
• Worldwide.

Excluded from the contract territory:

specific territories of countries (administrative units) where armed conflicts occur during the insurance event; temporarily occupied, annexed, or disputed territories; territories of states not recognized by Ukraine; the Russian Federation, the Republic of Belarus; Nepal.

The contract does not apply in the territory of Ukraine, the country of permanent residence, or the country of citizenship of the Insured person.

Term of the insurance contract — from 4 to 60 calendar days.

The insurance contract enters into force from the date specified in the contract as the start date, but not earlier than the day after the insurance premium is credited to the Insurer’s current account in the amount and within the period specified in the contract.

The contract is valid for the number of insured days specified in the contract. If all insured days are used (the number of days is calculated by summing the days spent outside Ukraine during the contract period), the contract terminates due to the Insurer fulfilling its obligations in full to the Insured person.

The conditions of this item are the same for all Programs provided by this insurance product.

In case the consumer fails to fulfill the obligations defined by the insurance contract, the payment of insurance compensation may be denied.

If the insurance premium is not paid within the period specified in the contract, the contract is considered not concluded.

The conditions of this item are the same for all Programs provided by this insurance product.

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

The conditions of this item are the same for all Programs provided by this insurance product.

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

The conditions of this item are the same for all Programs provided by this insurance product.

The information essential for the Insurer’s decision regarding the amount of the insurance premium under the insurance contract and the assessment of 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 contract conclusion,
• the selected Program and additional risks.

The conditions of this item are the same for all Programs provided by this insurance product.

Warning: before concluding the insurance contract, it is necessary to review information about exclusions from insured events and grounds for refusal of insurance payments, liability limits of the Insurer for a particular 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/1613_umovy_22.08.2024.pdf

The conditions of this item are the same for all Programs provided by this insurance product.