Standard insurance product “OPORA 24/7”

An insurance risk means the occurrence of a disease in the Insured Person from the list specified in the Table “List of Diseases and Payment Amounts” in Appendix No. 1 to the Offer, available at the following link (hereinafter referred to as the Payment Table).

Insured Events:

1. Death of the Insured Person as a result of an insured risk.
2. Illness of the Insured Person in accordance with the Payment Table.

Limitations of insurance:

The following persons cannot be insured:

• persons under 1 year of age or over 69 years old at the time of contract conclusion;
• persons who reach 70 years of age during the validity period of the Contract;
• persons declared legally incapacitated;
• persons suffering from severe diseases of the nervous system (brain tumor, spinal cord or vertebral column tumor, nervous system disorders caused by malignant neoplasms, brain death, spinal or spinal cord injury, acute cerebrovascular accident (stroke), acute necrotic encephalitis) or having malignant tumors;
• persons with mental illnesses (registered in narcological or neuropsychiatric dispensaries);
• HIV-infected persons.

Insurance sum 
- 50,000 UAH

Monthly insurance premium: from 100.00 UAH to 240.00 UAH

Annual insurance rate: from 2.40% to 5.76% of the insurance sum.

Not applicable.

Territory of the contract – the territory of Ukraine.

The Contract does not apply:
- to territories of Ukraine that are temporarily occupied; territories where the state authorities of Ukraine temporarily do not exercise their powers; settlements located along the demarcation line; areas of active hostilities where military actions are taking place on the date of an event that qualifies as an insured event.

Contract term – 1 year with the possibility of extension (prolongation) of the contract term.

The Contract takes effect at 00 hours 00 minutes (Kyiv time) on the start date specified in the Contract, but not earlier than the day following the payment of the insurance premium in the amount specified in the Contract to the Insurer’s account. The Contract remains in force until 24:00 (Kyiv time) on the date specified as the expiration date, unless terminated earlier for other reasons.
The duration of the Contract is divided into insurance periods – 1 month.
Insurance coverage for each period is valid only if the premium for that period is paid in accordance with the Contract.
The Contract is automatically renewed for the same term and under the same conditions unless either Party notifies the other of its intention to terminate it.

The Contract establishes a waiting period for insured events – a period starting from the date the Contract comes into force (or the date of reinstatement of the Insurer’s liability after payment of a part of the total insurance premium for an unpaid insurance period), during which any disease diagnosed or whose first symptoms are recorded in medical documents will not entitle the Insured Person to receive any payments under the Contract.
Upon further renewal of the Contract for the Insured Person, the waiting period does not apply if there is no interruption between the expiration and the renewal of the Contract.

The waiting periods for each disease are set in calendar days and are provided in the Payment Table (Appendix No. 1 to the Offer).

For failure to perform or improper performance of the terms of the contract, the policyholder bears liability as provided by law.

Failure by the Policyholder or the Insured Person to notify the Insurer of an insured event within the time limits specified in the Contract without valid reasons, or failure to fulfill other obligations under the Contract or law, if this made it impossible for the Insurer to establish the fact, cause, and circumstances of the insured event or the amount of damage (loss), may serve as grounds for refusal of insurance payment.

If the insurance premium is not paid before the start of the contract, the contract is considered not concluded. If the insurance premium is not paid before the start of the relevant insurance period, the insurance coverage during that period does not apply.

The contract is not an addition to other goods, works, or services unrelated to insurance. 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 provision of the financial service under the Contract.

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

When concluding the Contract, the Policyholder must provide the Insurer with information about the existence of an insurable interest regarding the object of insurance, all circumstances known to them that are material to the assessment of the insurance risk (determination of the likelihood and probability of the insured event and the amount of possible losses), and thereafter, no later than 5 (five) working days after any changes occur, notify the Insurer of any modifications that may materially affect the assessment of insurance risk. Concluding the Contract regarding persons who cannot be insured under the terms of the Contract is considered a violation of this obligation.

This insurance product requires prior review by the consumer in order to make an informed decision on entering into the insurance contract.

Before concluding the insurance contract, the consumer must review information regarding exclusions from insured events and grounds for refusal of insurance payments, the insurer’s limits of liability for each insured object, insured risk and/or insured event, as well as the calculation procedure and conditions for insurance payments contained in the General Terms and Conditions of the insurance product "OPORA 24/7", available at the following link: https://uniqa.ua/storage/public-offer/partner-reports/UMOVY_1515_OPORA_25.04.2025.pdf