Standard insurance product "My Journey" with code 1617

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.

In terms of medical expense insurance, the insurance risks are:

1. a 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 an acute dental disease or adjacent tissues, or jaw injury resulting from an accident;
4. complications of pregnancy of the Insured person;
5. death of the Insured person as a result of the cases specified in items 1), 2), 4) of this section.

In terms of expenses other than medical, the insurance risks are:

1. delay in delivery or loss of baggage by the airline;
2. flight delay or cancellation;
3. loss, misplacement, or theft of the Insured person's personal documents — passport or travel document, driver’s license, certificate of registration of a vehicle legally owned by the Insured person;
4. early return of the Insured person from abroad in the event 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 a trip that may cause expenses of the Insured person for legal services and payment of bail in the country of temporary stay;
6. an accident during a trip that resulted in permanent loss of working capacity of the Insured person (establishment of disability of Group I or II, or status “child with disability”) or death of the Insured person. An event under this risk is considered an Insurance event if its consequences occur within 12 (twelve) months from the date of the accident.

The specific list of insured risks depends on the chosen program and is specified in the contract.

Insurance limitations:
The following are not accepted for insurance:
- incapacitated persons officially recognized as such by law;
- persons who have reached 86 full years of age at the date of contract conclusion.

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

The minimum and maximum insurance premium (per person):

• under the Basic/Econom program – from 5.56 EUR to 15,486 EUR;
• under the Optimal/Standard program – from 7.78 EUR to 21,645 EUR;
• under the Premium/Elite program – from 11.1 EUR to 27,141 EUR.

Unconditional deductible under the insurance contract — 0%.

Territory of insurance: the travel territory specified in the contract as one of the geographical zones, namely:

• Europe;
• Worldwide (except USA, Canada, Indonesia);
• Worldwide.

Excluded from the contract territory:

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 the prescribed manner; Russian Federation, Republic of Belarus; Nepal. 

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

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

The contract enters into force and the Insurance coverage becomes effective at 00:00 Kyiv time on the date following the date the Insurance premium is credited to the Insurer's current account in the amount and within the period specified in the Contract, but not earlier than 00:00 Kyiv time on the date specified in the Contract as the start date of the Contract term.

The contract and Insurance coverage are valid until 24:00 Kyiv time on the date specified in the Contract as the end date of the Contract term, unless other circumstances stipulated in the Contract lead to early termination of 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 used days is determined by summing up the days spent outside the territory of Ukraine during the Contract term), the Contract terminates due to the Insurer’s full fulfillment of obligations to the Insured person.

The Contract provides for a Waiting period — 2 days from the date of conclusion of the contract — a period during which the Insurer is not liable for events qualifying as Insured events and is released from the obligation to make an Insurance payment, and the Policyholder (Insured person) is not entitled to receive an Insurance payment for events that occurred during this period.

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

For non-fulfillment or improper fulfillment of the terms of the contract, the policyholder bears responsibility provided by the legislation of Ukraine.

The existence of circumstances that are exceptions to Insured events and limitations of insurance provided for 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 whole 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 not an addition 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 receipt of the financial service under the Contract.

Discounts and promotional offers are not available and do not apply.

Before concluding the Contract, the Policyholder is obliged to provide the Insurer with information essential for the Insurer’s decision to conclude the Contract and/or determine the amount of the Insurance premium under the Contract, including information on circumstances that are material for assessing the Insurance risk (probability of occurrence of an Insured event and the amount of possible losses). During the Contract term, the Policyholder must also notify the Insurer in writing of any changes to such circumstances within 5 (five) working days, as well as of any other circumstances affecting the Insurance premium.

Information considered essential for the Insurer’s decision to conclude the Contract and/or determine the Insurance premium, and/or for assessing 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 in order to make an informed decision about concluding the insurance contract.

The consumer must review, before concluding the insurance contract, information on exclusions from Insured events and grounds for refusal of insurance payments, limits of the Insurer’s liability for a specific insured object, insurance risk and/or insured event, as well as the procedure for calculation and conditions of insurance payments contained in the General Terms of the insurance product "My Journey" with code 1617, available at the link: