Standard insurance product "My Journey" with code 1618

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 — potential losses or expenses of the Insured person.

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

1. sudden illness of the Insured person (acute illness, exacerbation or complication of a chronic condition) 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 resulting from an accident;
3. acute toothache caused by an acute dental disease or adjacent tissue, 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 cases specified in items 1), 2), and 4) of this section.

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

1. delay in delivery or loss of baggage by an air carrier;
2. delay or cancellation of a flight;
3. loss or theft of the Insured person’s personal documents — passport or travel document, driver’s license, vehicle registration certificate belonging to the Insured person on legal grounds;
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 temporary stay;
5. filing a claim during travel that may cause the Insured person to incur expenses for lawyer services and posting bail in the country of temporary stay;
6. an accident during travel that resulted in permanent disability of the Insured person (establishment of disability of Group I or II, or the status “child with disability”) or the death of the Insured person. The event under this risk is considered an Insurance event if its consequences occurred 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:
- legally incapacitated persons, recognized as such in accordance with the law;
- persons who have reached the age of 70 at the date of contract conclusion.

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

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

Within the insurance sum, liability limits are set for specific risks and events, depending on the chosen Program.

Minimum and maximum insurance premium amount (per person): 

• under the Basic/Econom program — from 5.56 EUR to 4,218 EUR;
• under the Optimal/Standard program — from 7.78 EUR to 6,882 EUR;
• under the Premium/Elite program — from 11.1 EUR to 7,992 EUR.

Unconditional deductible under the insurance contract — 0%.

Insurance territory: the travel territory specified in the contract as one of the geographical zones or individual countries included in the indicated coverage territory (zone), if such were selected when concluding the contract, namely:

• Europe;
• CIS countries;
• Turkey, Tunisia, Egypt, Bulgaria, Georgia;
• Green Card countries;
• Worldwide (except USA, Canada, Indonesia);
• Worldwide.

Excluded from coverage territory:

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

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

Contract duration — from 2 to 90 calendar days.

The contract takes effect and coverage begins at 00:00 Kyiv time on the date following the date when the insurance premium is credited to the Insurer’s current account in the amount and within the term 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 coverage remain valid until 24:00 Kyiv time on the date specified in the Contract as the end date of the Contract term, unless other circumstances provided by the Contract lead to early termination.

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

The Contract provides for a Waiting Period — 2 days from the date of conclusion — during which the Insurer bears no responsibility for events qualifying as Insured Events and is released from the obligation to make payments for them, and the Policyholder (Insured) has no right to receive insurance payments for events occurring during this period.

The Contract is deemed not to have taken effect with respect to Insured persons who were outside Ukraine on the date of conclusion.

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

The existence of circumstances that are exclusions from Insured Events and insurance limitations provided by these Contract Terms constitutes grounds for refusal of an 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 no obligations arise for the Parties under such Contract.

The contract is not an addition to other goods, works, or services that are not insurance-related. In connection with concluding the Contract, there is no need to obtain additional or related services from the Insurer and/or third parties related to receiving the financial service under the Contract.

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

Before concluding the Contract, the Policyholder must provide the Insurer with information that is essential for the Insurer's decision to conclude the Contract and/or determine the insurance premium, including details of circumstances relevant for assessing the insurance risk (determining the probability of occurrence of an Insured Event and the size of possible losses). During the Contract term, the Policyholder must notify the Insurer in writing of any such changes no later than 5 (five) business days after they occur.

Information essential for the Insurer's decision to conclude the Contract, and/or to determine the insurance premium, and/or to assess 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.

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

The consumer must, before concluding the insurance contract, review the information on exclusions from insured events and grounds for refusal of insurance payments, liability limits of the insurer for a particular insured object, insurance risk and/or insured event, as well as the calculation procedure and conditions for making insurance payments, contained in the General Terms of the insurance product "My Travel" with code 1618, available at: https://uniqa.ua/storage/insurance-products/reports-files/1618_umovy_22.08.2024.pdf