♦ Information Document on the Standard Insurance Product "My Protection" with code 1223
|
No. |
Type of Information |
Programs | ||
| Classic | Optimal | Maximum | ||
| 1 | Object of Insurance |
The object of insurance is the life, health, and working capacity of the Insured person. The conditions of this clause are the same for all Programs provided under this insurance product. |
||
| 2 | Insurance Risks. Insurance Limitations |
Insurance risk: Occurrence of an accident with the Insured person. Insurance limitations: The following are not accepted for insurance:
The conditions of this clause are the same for all Programs provided under this insurance product. |
||
| 3 | Minimum and Maximum Insurance Sums (Liability Limits) |
The insurance sum is aggregate (decreases after indemnity payment), except in cases of death or assignment of Group I disability to the Insured person as a result of an accident. The insurance sum and the Liability limit for Traumatic injuries are determined by agreement of the Parties and selected by the Policyholder from the options: |
||
|
Insurance sum per person is UAH 80,000, Liability limit for Traumatic injuries – UAH 50,000 |
Insurance sum per person is UAH 200,000, Liability limit for Traumatic injuries – UAH 100,000 |
Insurance sum per person is UAH 300,000, Liability limit for Traumatic injuries – UAH 125,000 |
||
| 4 | Minimum and Maximum Insurance Premium Amounts and/or Insurance Tariff |
Minimum and maximum insurance tariff (annual): from 0.66% to 1.196% of the insurance sum per Insured person. Maximum and minimum insurance premium amount:
The amount of the insurance premium depends on the selected Program. |
||
| 5 | Type, Minimum and Maximum Deductible Amounts (if applicable) |
Unconditional deductible under the insurance contract — 0%. |
||
| 6 | Territory and Term of the Insurance Contract (including information on the procedure of its entry into force and insurance period(s), if any) |
Insurance territory: Worldwide. Insurance coverage within the territory of Ukraine (except as specified in p. 1-2 of this section), located in a zone of hostilities of any kind, is provided for insured events that are not causally related to war or military conflicts and any means or methods of their conduct, taking into account exclusions and limitations of insurance. The insurance contract does not apply to:
The insurance contract enters into force on the date specified in the contract as the start date of its validity, but not earlier than the day 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. The conditions of this clause are the same for all Programs provided by this insurance product. |
||
| 7 | Possible Consequences for the Consumer in Case of Non-fulfillment of Obligations Defined by the Insurance Contract |
If the consumer fails to fulfill the obligations defined by the insurance contract, an insurance indemnity payment may be refused. Also, if the insurance premium is not paid within the terms specified in the contract, the insurance contract shall be considered not concluded. The conditions of this clause are the same for all Programs provided by this insurance product. |
||
| 8 | Information on the Possibility to Purchase the Insurance Product Separately |
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 provided by this insurance product. |
||
| 9 | Conditions for Obtaining Discounts on the Insurance Product and Promotional Offers of the Insurer |
Discounts and promotional offers are not provided for this insurance product. The conditions of this clause are the same for all Programs provided by this insurance product. |
||
| 10 | List of Information Material to the Assessment of Insurance Risk and/or Other Circumstances Considered When Determining the Insurance Premium Amount |
The information material to the Insurer’s decision regarding the insurance premium amount under the insurance contract and the assessment of insurance risk includes data on:
The conditions of this clause are the same for all Programs provided by this insurance product. |
||
| 11 | Consumer Warning on the Need to Review Information Before Concluding the Insurance Contract, Including Reference to Such Information |
Before concluding the insurance contract, it is necessary to review the information on exclusions from insurance cases and the grounds for refusal of insurance payments, the Insurer’s liability limits for a specific object of insurance, insurance risk and/or insurance case, as well as the calculation procedure and conditions for making insurance payments, available at the link: https://uniqa.ua/storage/insurance-products/reports-files/1223_umovy_01.07.2024.pdf The conditions of this clause are the same for all Programs provided by this insurance product. |
||
Programs of the Insurance Product "My Protection" with Code 1223
| Programs | |||
| Program Name | Classic | Optimal | Maximum |
| Insurance sum per Insured person, UAH per year | 80,000 UAH | 200,000 UAH | 300,000 UAH |
|
50,000 UAH | 100,000 UAH | 125,000 UAH |
| Insured events covered by the program |
|
||
| Coverage of accidents during sports activities (including professional and extreme) | no | yes | yes |
| Coverage of accidents while performing official duties or type of occupation * | low risk level | low risk level | low, medium and high risk level |
| Monthly insurance payment per insured person, UAH | 44 | 153 | 299 |
*
- Low risk level (P1): Office employees, engineering and technical staff, and other categories of citizens not directly involved in production processes, whose working conditions are not associated with an increased risk of injury, including office staff. Persons not directly engaged with sources of ionizing radiation but who, due to the location of their workplaces in premises and industrial sites with radiation-nuclear technologies, may receive additional exposure (Category B personnel). Actors of dramatic and musical theaters, performers of stage, ballet, and dance ensembles. Bank employees (excluding those involved in cash collection and transport of valuables, cashiers) and employees of other financial institutions. Workers in household and municipal services. Teaching staff of extracurricular children's institutions, lecturers and students of institutes, technical schools. Housewives. Medical workers (excluding ambulance staff). Employees in retail and catering (excluding cooks). Postal and telegraph employees. Library staff. Hotel personnel. Janitors, kiosk workers, press workers, and others. Children. Unemployed pensioners (Classic, Optimal, and Maximum programs)
- Medium risk level (P2): All other categories of employees (workers, clerks, agricultural workers, etc.) directly engaged in production processes. Persons permanently or temporarily working directly with sources of ionizing radiation (Category A personnel). Airfield service staff. Cash collectors and cashiers. Veterinary clinic staff. Ambulance staff. Gas-electric welders, fitters. Workers in manufacturing industries; artisans. Workers in the food industry, printing enterprises. Firefighters. Military personnel. Employees of law enforcement bodies (excluding criminal investigation officers, patrol police, drivers). Workers in construction, mechanical engineering, glass industry. Transport workers (excluding air transport). Workers of power plants and expeditions (Maximum program).
- High risk level (P3): Persons whose work is associated with a high risk of accidents. Criminal investigation officers, patrol police, civil aviation staff. Test drivers of cars and aircraft. Circus artists performing stunts on ropes, trapezes, acrobats, gymnasts. Wild animal trainers. Auto-motor racers, stunt performers. Workers in the mining industry. Persons performing underground work, drillers of oil and gas wells. Employees of mine and gas rescue services. Workers engaged in the production, storage, testing of explosive and toxic substances. Divers. Persons engaged in hunting and fishing in seas and oceans, high-rise and roofing works. Installers of concrete and reinforced concrete structures, crane operators (Maximum program).