1. Insurance Object

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

2. Insurance Risks and Limitations

Insurance Risks:
The occurrence of an accident involving the Insured Person.
For this product, an accident is defined as a sudden, accidental, time-limited, unpredictable event, independent of the will of the Insured Person and/or another person specified in the agreement, caused by external factors and resulting in harm to the life, health, and/or working ability of the Insured Person.

Accidents under this insurance product include:

Traumatic injuries, wounds;
Accidental inhalation of foreign objects into the respiratory tract;
Drowning;
Lightning strike and/or electric shock;
Burns, frostbite;
Animal bites, stings from poisonous insects, snake bites, etc.;
Accidental poisoning by gases, household, or industrial chemicals within the term and territory of the policy.
Insurance Limitations:
The following individuals are not eligible for insurance:

Persons who are 66 years or older on the date of contract signing;
Persons deemed legally incapable under applicable law.

3. Minimum and Maximum Insurance Sum (Liability Limit)

The insurance sum is aggregate, determined by mutual agreement, and varies for adults and children as chosen by the Policyholder from the following options:

For adults (18–65 years): from UAH 50,000 to UAH 400,000 per person;
For children (0–17 years): from UAH 50,000 to UAH 150,000 per person.

4. Minimum and Maximum Insurance Premium and/or Tariff

The insurance tariff ranges from 0.477% to 4.227% of the insurance sum per Insured Person.

5. Type, Minimum, and Maximum Deductible (if applicable)

No deductible is provided under this insurance product.

6. Coverage Area and Policy Term

Coverage Area: Ukraine or Worldwide.

Exclusions:

For coverage in Ukraine:
- Temporarily occupied territories of Ukraine;
- Areas where state authorities do not exercise their powers, settlements, and territories located along the line of contact.

For worldwide coverage:
- Zones of military conflict of any kind (excluding the territory of Ukraine as described above);
- Temporarily occupied, annexed, or disputed territories, or territories not officially recognized by Ukraine;
- Territories where the Ministry of Foreign Affairs of Ukraine has issued a travel advisory;
- Territories of the Russian Federation and the Republic of Belarus.
- Coverage in conflict zones in Ukraine:

Insurance coverage is provided for incidents unrelated to war or military conflicts, subject to the exceptions and limitations of the policy.

Policy Activation:
The policy becomes effective on the date specified in the contract as the start date, but not earlier than the day after the insurance premium (or its first installment) is credited to the Insurer’s account.

Policy Term:
1 calendar year.

7. Exclusions and Grounds for Denial of Insurance Benefits

Exclusions:

Events outside the coverage area or term of the policy, as well as events not specified as insured cases in the contract.
Consequences of accidents occurring due to or during:
Participation in military, political, or terrorist activities;
Alcohol or drug consumption, or poisoning by such substances;
Intentional exposure to unreasonable risk;
Self-inflicted injuries;
Any diseases according to ICD-10;
Suicide or attempted suicide (except when caused by unlawful acts of third parties);
Criminal or unlawful acts committed by the Insured Person;
Criminal or unlawful acts committed by the Beneficiary or Policyholder (causing harm to the Insured Person);
Radiation, ionizing exposure, radioactive, chemical, or bacteriological contamination;
War or military conflict and their methods or consequences;
Acts of force majeure (e.g., natural disasters like earthquakes, floods, avalanches, etc.).
Traumatic injuries, functional disorders, or permanent loss of working ability, including death, caused by an accident with a direct link to pre-existing disabilities (including status as "child with disabilities") established before the policy took effect are not considered insured cases.

Grounds for Denial of Benefits:

Intentional actions of the Policyholder, Insured Person, Beneficiary, or heirs aimed at causing an insured event (except in cases of necessity or self-defense);
Criminal acts by the Policyholder, Insured Person, or Beneficiary that lead to the insured event;
Provision of false information about the insurance object or circumstances affecting risk assessment or insured events;
Failure to notify the Insurer of material changes in risk circumstances during the policy term;
Delayed notification of the insured event without valid reasons, preventing proper investigation of the event;
Events not meeting the definition of an insured case as per the policy terms;
Obstruction of the Insurer’s investigation of the event;
Situations listed in the exclusions and limitations;
Voluntary refusal to receive payment;
Other cases provided by Ukrainian law or policy terms.

8. Insurer’s Liability Limits for Specific Insurance Objects, Risks, and/or Cases

Liability Limits for Specific Insurance Cases:

Traumatic injuries: The payout amount is determined according to the Table of Payout Percentages for Traumatic Injuries (hereinafter referred to as the "Payout Table"), which is included as Appendix 1 to the insurance product conditions and reflects the relevant percentage of the insured sum applicable to the Insured Person.
Disability of Group I due to an accident: 100% of the insured sum.
Disability of Group II/status of "child with a disability" due to an accident: 80% of the insured sum.
Death: 100% of the insured sum.

9. Procedure for Calculating and Conditions for Insurance Payments

Procedure for Calculating Insurance Payments:
Insurance payments for a single insured event are made based on the final consequences of the accident. Upon occurrence of an insured event, the Insurer provides insurance payments as follows:

For traumatic injuries: The corresponding percentage of the insured sum as specified in the Payout Table.
For permanent loss of working ability due to an accident:
100% of the insured sum for Group I disability;
80% of the insured sum for Group II disability or status of "child with a disability."
For death: 100% of the insured sum.
Additional Provisions:

If the Insured Person is assigned a disability due to traumatic injuries, the Insurer pays the difference between the amount due under the contract for the respective disability group and the amount already paid for traumatic injuries.
If the Insured Person is assigned a more severe disability group, the Insurer pays the difference between the payments for the less severe and more severe disability group.
In the event of death, the Insurer pays the Beneficiary the difference between the insured sum under the contract and the total payments made during the contract's term.
Conditions for Insurance Payments:

A decision to make or deny an insurance payment is made by the Insurer within 20 working days from the date of submission of all required documents. The decision is formalized in an insurance act.
The insurance payment is made within 10 working days from the date the Insurer approves the payment.
If a decision is made to deny payment or delay the decision, the Insurer notifies the Policyholder of the reasons for the denial or delay within 10 working days of the decision.

10. Potential Consequences for the Consumer in Case of Non-Compliance with Obligations Defined by the Insurance Contract

Failure to comply with obligations defined by the insurance contract may result in denial of insurance compensation. Additionally, failure to pay the insurance premium within the terms specified in the contract renders the contract void.

11. Information on the Possibility of Purchasing the Insurance Product Separately

This insurance product is not supplemental to any other goods, works, or services that are not related to insurance.

12. Conditions for Discounts and Promotional Offers

Discounts may be provided through the use of a promo code when purchasing the insurance product on the official website of the Insurer at: www.uniqa.ua.
Promo codes can be obtained through various communication channels, including but not limited to the official website, insurance intermediaries, partners, and the Insurer’s social media platforms.
Promotional offers are not available for this insurance product.