Стандартний страховий продукт "Моя турбота про дитину"

The object of insurance is the life, health, and working capacity of the Insured Person.

Insurance Risks:

Occurrence of an accident involving the Insured Person. 

An accident under this product means a sudden, accidental, time-limited, unpredictable event not dependent on the will of the Insured Person and/or another person specified in the contract, occurring as a result of external impact and causing harm to the life, health, and/or working capacity of the Insured Person.  

Accidents under this insurance product include:  

• traumatic injuries, wounds,  
• accidental entry of a foreign object into the respiratory tract,  
• drowning,  
• lightning strike and/or electric shock,  
• burns, frostbite,  
• bites of animals, poisonous insects, snakes, etc.,  
• accidental poisoning by gases, household or industrial chemicals within the term and territory of the contract. 

Insurance Limitations

Not accepted for insurance:  

• persons who have reached 18 years of age at the start date of the insurance contract; 
• incapacitated persons legally recognized as such.

The sum insured is aggregate, determined by agreement of the Parties, and chosen by the Policyholder from the following options: 

• 25,000 UAH, 50,000 UAH, 100,000 UAH, 150,000 UAH, 200,000 UAH, 250,000 UAH per person.

The insurance rate may range from 0.2745% to 2.4639% of the sum insured per Insured person.

A deductible is not provided under the terms of this insurance product.

Territory of insurance: Ukraine or Worldwide.

The insurance contract does not apply:

1. If the territory of insurance is Ukraine: 

• to the temporarily occupied territories of Ukraine; 
• to the territories of Ukraine where state authorities temporarily do not exercise their powers, as well as settlements and territories located on the line of contact. 

2. If the territory of insurance is Worldwide: 

• to areas of military operations of any kind (except the territory of Ukraine, subject to item 1 of this paragraph); 
• to temporarily occupied, annexed or disputed territories, territories of states not officially recognized by Ukraine; 
• to territories for which the Ministry of Foreign Affairs of Ukraine has issued a recommendation to refrain from traveling before the Insured person crosses the border; 
• to the territory of the Russian Federation and the Republic of Belarus. 

Insurance coverage in the territory of Ukraine (except for the territory specified in item 1 of paragraph 2 of this section) that is in a zone of military operations of any kind, regardless of the official recognition of war under the law, is provided for Insurance cases that are not causally related to war or military conflicts and any methods of their conduct, subject to exclusions and insurance limitations. 

Term of the insurance contract – from 14 days to 1 calendar year. 

The insurance contract enters into force on the date specified in the contract as the start date of the insurance period, but not earlier than the day following the date of crediting the insurance premium (the first installment, if the total premium is paid in parts) to the Insurer’s current account, in the amount and within the term specified in the contract. 

If the consumer fails to fulfill the obligations specified in the insurance contract, the insurer may refuse to pay the insurance indemnity.

If the insurance premium is not paid within the terms specified in the insurance contract, the contract shall be deemed not concluded.

The insurance product is not an add-on to other goods, works, or services that are not insurance-related.

A discount may be granted by entering a promo code when purchasing the insurance product on the official website of the Insurer at: www.uniqa.ua.  

The promo code may be obtained by the consumer through various communication channels, including but not limited to the official website, insurance intermediaries, partners, and the Insurer’s social networks. 

Promotional offers are not provided for this insurance product. 

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

• the age of the Insured Person, 
• the occupation of the Insured Person, 
• engagement in sports, 
• changes in the health condition of the Insured Person, 
• the presence of an insurable interest of the Policyholder regarding the Insured Object. 

Before entering into the insurance contract, it is necessary to review the information on exclusions from insurance cases and grounds for refusal of insurance payments, the Insurer’s liability limits for a particular insured object, insurance risk and/or insured event, as well as the procedure and conditions for calculating and making insurance payments at the link: https://uniqa.ua/storage/insurance-products/reports-files/1225_umovy_13.11.2024.pdf