Standard insurance product "My savings for the future"

◊ Information document on the standard insurance product "My Savings for the Future"

No.	Type of information	Programs
		UNIQA Responsibility	UNIQA Protection	UNIQA Care	UNIQA Care Plus
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 by this insurance product.
2	Insurance risks. Insurance limitations	1. Insurance risks: 1.1. Basic insurance risks: Death of the Insured person occurring during the term of the insurance contract and within its territorial scope; Survival of the Insured person until the end of the term of the insurance contract. The conditions of this sub-clause are the same for all Programs provided by this insurance product.
		1.2. Additional insurance risks:
		Not provided.	- Death as a result of an accident; - Disability of the Insured person as a result of an accident (disability of Group I or II).	Not provided.	- Death as a result of an accident; - Disability of the Insured person as a result of an accident (disability of Group I or II).
		2. Insurance limitations: The following persons are not eligible for insurance: persons registered at narcological, psychiatric, tuberculosis, dermatovenereological dispensaries, or AIDS prevention and treatment centers; persons officially recognized as legally incapacitated; persons with disabilities of Group I or II, and children with disabilities; persons diagnosed with oncological diseases and/or severe forms of cardiovascular diseases (including but not limited to: heart defects, chronic circulatory insufficiency stages IIA, IIB, III, acute coronary syndrome, myocardial infarction) and/or kidney failure, persons with insulin-dependent diabetes mellitus; persons with chronic nervous system diseases (including but not limited to epilepsy, consequences of strokes); persons using narcotic (toxic) substances for the purpose of intoxication; persons suffering from alcoholism; persons serving sentences in places of detention. Insured persons may be individuals aged from 16 to 65 years. The conditions of this clause are the same for all Programs provided by this insurance product.
3	Minimum and maximum insurance sum (liability limit)	Maximum insurance sum (for main risks): 300,000 USD*	Maximum insurance sum (for main risks): 500,000 USD* Maximum insurance sum (for supplementary risks): 300,000 USD*	Maximum insurance sum (for main risks): 300,000 USD*	Maximum insurance sum (for main risks): 500,000 USD* Maximum insurance sum (for supplementary risks): 300,000 USD*
		* Equivalent in the currency of the insurance contract The terms of the insurance product provide for the possibility of indexation (increase) of the insurance sum during the term of the insurance contract, subject to corresponding indexation (increase) of the insurance premium amount.
4	Minimum and maximum insurance premium and/or insurance tariff	Minimum insurance payment (per year) — 6,000 UAH / 150 USD (depending on the contract currency)	Minimum insurance payment (per year) — 350 USD Equivalent in the contract currency	Minimum insurance payment (per year) — 6,000 UAH / 150 USD (depending on the contract currency)	Minimum insurance payment (per year) — 450 USD Equivalent in the contract currency
5	Type, minimum and maximum deductible (if applicable)	No deductible applies under the insurance contract. The conditions of this clause are the same for all Programs provided under this insurance product.
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 (excluding the Republic of Belarus and the Russian Federation). The insurance contract does not apply to: temporarily occupied territories of Ukraine as defined by Ukrainian legislation, as well as territories of Ukraine where state authorities temporarily do not exercise their powers, and settlements located along the demarcation line; territories of military operations of any kind; temporarily occupied, annexed, or disputed territories; territories of states not officially recognized by Ukraine; territories for which the Ministry of Foreign Affairs of Ukraine has issued a recommendation to refrain from traveling before crossing the border by the Insured person. Insurance coverage on the territory of Ukraine located in a zone of military operations of any kind, regardless of the official recognition of war under law, is provided for insured events that are not causally related to war or military conflicts and any methods of their conduct, taking into account the exclusions provided for in the insurance contract. Term of the insurance contract: established in full years by agreement of the Parties. The term of the Contract cannot be less than 10 years and more than 30 years. The insurance contract enters into force on the date specified in the insurance contract as the start date of its validity, but not earlier than the day following the date of crediting to the Insurer's current account the insurance premium for the first insurance period in accordance with the periodicity of premium payment chosen by the Policyholder, in the amount and within the term specified in the Insurance Certificate (policy), and upon receipt by the Insurer of the duly completed Insurance Application. The conditions of this clause are the same for all Programs under this insurance product.
7	Possible consequences for the consumer in case of failure to fulfill obligations specified in the insurance contract	In case the consumer fails to fulfill the obligations specified in the insurance contract, the Insurer may refuse to pay insurance compensation. Furthermore, if the insurance premium is not paid in the amount and within the terms defined in the contract, the contract shall be considered not concluded (unless otherwise agreed by the parties and stated in the insurance contract). The conditions of this clause are the same for all Programs under this insurance product.
8	Information on the possibility of purchasing the insurance product separately	The insurance product is not an addition 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.
9	Conditions for obtaining a discount on the insurance product and promotional offers of the insurer	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.
10	List of information essential for assessing the insurance risk and/or information on other circumstances considered when determining the insurance premium	The information that is essential for the insurer's decision on the amount of the insurance premium under the contract and for assessing the insurance risk includes data on: The Insured person, as indicated in the Insurance Application and the Health Questionnaire of the Insured person; the existence of an insurable interest of the Policyholder in relation to the object of insurance, based on legal grounds or other legal relations. The conditions of this clause are the same for all Programs under this insurance product.
11	Procedure of taxation of insurance payments and application of tax benefits	The procedure of taxation of insurance payments is indicated on the Insurer’s website at the link https://uniqa.ua/storage/files/shares/ Public info/Procedure of taxation of insurance payments.pdf This insurance product does not provide for tax discounts (tax benefits). The conditions of this clause are the same for all Programs under this insurance product.
12	Conditions for reduction (decrease) of insurance sums and/or insurance payments in case of non-payment of the insurance premium in the amount and terms specified in the contract (if the insurance product provides the insurer with the right to unilaterally reduce the insurance sums and/or insurance payments)	The insurance contract provides for a reduction (decrease) of Insurance sums and/or Insurance payments in case of the Policyholder’s failure to pay the next insurance premium during the Grace period in the amount and within the terms specified in the contract, which has been in effect for more than two years. In such case, the Insurer has the right, starting from the day following the end of the Grace period, unilaterally to reduce the Insurance sum for the basic risks and terminate coverage for supplementary risks. The insurance contract with a reduced Insurance sum enters into force on the day following the last day of the paid Insurance period, about which the Insurer informs the Policyholder within 30 (thirty) calendar days after the reduction of the Insurance sum, indicating the new amount of Insurance sums and/or Insurance payments. The reduction is carried out according to the methodology for calculating the reduced Insurance sum, which is an integral part of the Underwriting Policy approved by the Insurer. By agreement of the Parties, the amount of the Insurance sum may be reduced simultaneously with a reduction of the Insurance premiums. Such changes can be introduced into the contract only on the contract anniversary, provided there are no arrears in the payment of insurance premiums. Such reduction of the Insurance sum is allowed if it leads to a decrease in the insurance premium by no more than 25% of its amount as of the date of signing the contract, and the total annual amount of the new insurance premium must not be less than the current minimum on the date of submission of the application for contract amendment. In the event of a reduction (decrease) of the Insurance sum and/or Insurance payments, by agreement of the Parties, the amount of the Insurance sum and/or Insurance payments may be fully or partially restored to the level that was in effect at the time of the reduction. The conditions of this clause are the same for all Programs under this insurance product.
13	The amount and procedure for determining possible benefits exceeding the insurance sums and/or insurance payments specified in the contract (if the insurance product provides for such benefits and the procedure for determining them)	The insurance contract provides for an increase of the Insurance sum and/or Insurance payments by amounts (bonuses) from the placement and management of assets, which are determined by the Insurer at least once a year based on other financial results of its activities (hereinafter — additional insurance obligations). The condition of reducing the Insurance sums and/or Insurance payments under the contract does not affect the Policyholder’s right to bonuses. Bonuses are accrued monthly during the year and distributed at the end of the year; after termination of the contract, bonuses are not accrued. The additional insurance obligations accepted by the Insurer are communicated to the Policyholder once a year together with information on changes in the insurance sums, insurance payments for individual risks, and the surrender value. At the same time, the amount of insurance sums, insurance payments for individual risks, and surrender value, taking into account bonuses from asset placement and management, cannot be further reduced unilaterally. Payment by the Insurer of any additional insurance obligation is made simultaneously with the insurance payment for the basic risks or with the payment of the surrender value under the contract. The insurance contract does not provide for an increase of the insurance sum and/or insurance payments by amounts determined by the Insurer once a year based on its annual financial results (participation in the Insurer’s profit). The conditions of this clause are the same for all Programs under this insurance product.
14	Consumer warning about the necessity to review information prior to concluding the insurance contract, including links to such information	Before concluding the insurance contract, it is necessary to review information regarding exclusions from insured events and grounds for refusal of insurance payments, the liability limits of the Insurer for a particular object of insurance, insurance risk and/or insured event, as well as the calculation procedure and conditions for making insurance payments at the following link: https://uniqa.ua/storage/insurance-products/reports-files/9206_umovy_20.06.2025.pdf The conditions of this clause are the same for all Programs under this insurance product.