Standard insurance product "My Journey" with code 1614

No.

Type of information

The object of insurance is:

• for medical expenses — the life, health, and working capacity of the Insured person;
• for expenses other than medical — possible losses or costs 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 insurance risks are:

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

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

3) acute toothache caused by an acute dental disease or adjacent tissue condition, or jaw injury as a result of 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 air carrier;

2) flight delay or cancellation;

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

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

5) filing a claim during the trip that may cause the Insured person to incur expenses for lawyer services and posting bail in the country of temporary stay;

6) accident during the trip that resulted in permanent disability of the Insured person (assignment of disability of Group I, II, or status “child with disability”) or 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 presented in the Table “Insurance risks and insurance sums (liability limits) for the Programs of the insurance product "My Travel" with code 1614” (below).

2. Insurance limitations:
Not accepted for insurance:
- incapacitated persons legally recognized as such;
- persons who have reached the age of 70 at the date of conclusion of the contract.

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

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

The insurance sum is established by agreement of the parties depending on the Program and is chosen by the Policyholder from the options:

• for medical expenses: 30,000 EUR or 50,000 EUR;
• for expenses other than medical: from 1,600 EUR to 8,500 EUR.

The amounts of insurance sums provided for each Program are presented in the Table “Insurance risks and insurance sums (liability limits) for the Programs of the insurance product "My Travel" with code 1614” (below).

Minimum and maximum insurance premium (per person): 

from 10 EUR to 1,900 EUR

Unconditional deductible under the insurance contract — 0%.

Time deductible under the insurance contract — 2 days from the date of contract conclusion.

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

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

• Europe;
• Europe, Turkey, Egypt, Cyprus;
• Europe, Kazakhstan, Tajikistan, Uzbekistan;
• Worldwide (except USA, Canada, Indonesia);
• Worldwide.

Excluded from the contract territory:

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

The contract is not valid on the territory of Ukraine, the country of permanent residence, or nationality of the Insured person.

Duration of the insurance contract — from 4 to 90 calendar days.

The insurance contract comes into force from the date specified in the contract as the start date of the insurance period, but not earlier than the day following the date of crediting the insurance premium to the Insurer’s current account in the amount and within the period specified in the insurance contract.

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

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

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

If the insurance premium is not paid within the terms defined by the insurance 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 add-on 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 on the amount of the insurance premium under the contract and 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 chosen 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 the information about exclusions from insured events and the grounds for refusal of insurance payments, the insurer’s liability limits for a specific object of insurance, insurance risk and/or insured event, as well as the calculation procedure and conditions of insurance payments at the link: https://www.uniqa.ua/storage/insurance-products/reports-files/1614_umovy_22.08.2024.pdf

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