Standard insurance product "My Journey" with code 1616

No.

Type of information

The object of insurance is:

• with regard to medical expenses — the life, health, and working capacity of the Insured Person;
• with regard to expenses other than medical — potential losses or expenses of the Insured Person.

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

1. Insurance risks:

1.1. regarding 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 or medical-transport assistance;

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

3) acute toothache caused by acute illness of a tooth or adjacent tissues, 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. regarding expenses other than medical, the insurance risks are:

1) delay in delivery or loss of luggage by an airline;

2) flight delay or cancellation;

3) loss or theft of personal documents of the Insured Person — passport or travel document, driver’s license, certificate of registration of the vehicle 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 the trip, which may cause expenses of the Insured Person for legal services and bail in the country of temporary stay;

6) accident during the trip that led to permanent disability of the Insured Person (assignment of disability group I or II, status “child with disability”) or to death of the Insured Person. The 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 insurance amounts (liability limits) by Programs of the insurance product ‘My Travel’ with code 1616” (below).

2. Insurance limitations:
Not accepted for insurance:
- incapacitated persons legally recognized as such;
- persons who have reached 86 full years of age on 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 of this insurance product.

The insurance amount is determined 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 or 50,000 EUR/USD;
• for expenses other than medical: from 1,600 EUR/USD to 6,500 EUR/USD.

The amounts of insurance coverage provided for each Program are shown in the Table “Insurance risks and insurance amounts (liability limits) by Programs of the insurance product ‘My Travel’ with code 1616” (below).

from 10 EUR to 5,600 EUR

Unconditional deductible under the insurance contract — 0%.

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

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

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

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

Excluded from the territory of coverage:

certain territories of countries (administrative units) where military conflicts are taking place at the time of the insured event; temporarily occupied, annexed or disputed territories; territories of states not recognized by Ukraine in accordance with the law; the Russian Federation, the Republic of Belarus; Nepal.

The contract does not apply on the territory of Ukraine, the country of permanent residence, or nationality of the Insured Person.

Validity period of the insurance contract — from 4 days to 1 year.

The insurance contract takes effect from the date specified in the contract as the start date of validity, but not earlier than the day following the date when the insurance premium is credited to the Insurer’s account in the amount and within the term specified in the contract.

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

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

If the consumer fails to fulfill the obligations defined by the insurance contract, the insurer may refuse to pay insurance compensation.

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

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

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

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

The information essential for the insurer’s decision on the amount of the insurance premium under the insurance contract and for assessing the insurance risk includes details about: 

• 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 clause are the same for all Programs under this insurance product.

Notice: before concluding the insurance contract, it is necessary to review information about exclusions from insurance cases and grounds for refusal of insurance payments, the insurer’s liability limits for a specific insured object, insurance risk and/or insurance event, as well as the calculation procedure and conditions for making insurance payments at the link: https://uniqa.ua/storage/insurance-products/reports-files/1616_umovy_25.09.2024.pdf

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