Treatment up to 150 000 UAH
A mobile app for solving issues without calls or paperwork
Service in top-tier commercial medical clinics
UNIQA's own medical Assistance operates 24/7
The "Pay in Parts" service is available without commissions for PrivatBank clients
1. Object of Insurance
The object of insurance is the health of the Insured Person.
2. Insurance Risks and Limitations
Insurance Risks:
Acute illness of the Insured Person;
Exacerbation of a chronic illness of the Insured Person;
Health disorder resulting from an accident involving the Insured Person.
Insurance Limitations:
The following individuals are not eligible for insurance:
Persons over 59 years old at the time of contract conclusion;
Persons with any disability group or individuals with congenital disabilities;
Persons officially recognized as legally incompetent;
HIV-positive individuals and persons diagnosed with AIDS;
Persons undergoing outpatient or inpatient treatment (hospitalized) at the time of contract conclusion;
Persons suffering from severe decompensated diseases of the cardiovascular, endocrine, excretory, nervous, musculoskeletal, or other systems; persons with a history of malignant neoplasms;
Persons suffering from mental and behavioral disorders, tuberculosis, venereal diseases, alcoholism, drug addiction, or substance abuse.
A child under 15 years old (inclusive) can only be insured along with an adult.
3. Minimum and Maximum Insurance Sum (Liability Limit)
Minimum insurance sum: UAH 75,000
Maximum insurance sum: UAH 150,000
The insurance sum depends on the selected insurance program and is set for each Insured Person individually.
4. Minimum and Maximum Insurance Premium and/or Insurance Tariff
Minimum insurance premium: UAH 2,300
Maximum insurance premium: UAH 19,200
5. Type, Minimum, and Maximum Deductible (if applicable)
The product includes a fixed deductible.
Minimum deductible: 0% (for all options except Outpatient and Polyclinic Care)
Maximum deductible: 30% (for Outpatient and Polyclinic Care options)
6. Territory and Duration of the Insurance Contract
Insurance Territory: Ukraine, except:
Temporarily occupied territories of Ukraine, as defined by Ukrainian regulations, as well as areas where state authorities temporarily do not exercise their powers and settlements located on the demarcation line;
Insurance coverage within Ukraine (except for the areas mentioned above) that is in a war zone of any nature, regardless of the official recognition of war under legal norms, is provided for insurance cases that are not causally related to war, military conflicts, or any means or methods of conducting them, considering the exclusions specified in the insurance contract.
Contract Effective Date:
The contract becomes effective, and the insurance coverage starts from the date specified in the contract as the beginning of the insurance period, but not earlier than the day following the receipt of the insurance premium (or its first installment, if the total insurance premium is paid in parts) in the amount and within the timeframe specified in the contract.
Duration of the insurance contract: 1 calendar year.
7. Possible Consequences for the Consumer in Case of Non-Compliance with Insurance Obligations
Failure to comply with the obligations specified in the insurance contract may result in a refusal to pay insurance compensation. In case of non-payment of the insurance premium within the amount and terms specified in the contract, the contract is considered void.
8. Possibility of Purchasing the Insurance Product Separately
The insurance product is not an additional component of other non-insurance goods, services, or works.
9. Conditions for Discounts on the Insurance Product and Promotional Offers from the Insurer
Discounts and promotional offers are not provided for this insurance product.
10. List of Essential Information for Insurance Risk Assessment and/or Other Factors Considered in Determining the Insurance Premium
The following information is crucial for the Insurer's decision on contract conclusion, insurance premium amount, and risk assessment:
Age of the Insured Person;
Presence of a disability;
Changes in the health condition of the Insured Person;
The existence of an insurance interest of the Policyholder regarding the insured object;
Information on existing insurance contracts related to the Insured Person’s health.
Disclaimer: Before signing the insurance contract, it is necessary to review the exclusions from insurance cases, grounds for refusal of insurance payouts, liability limits for specific insured objects, insurance risks, and/or insurance cases, as well as the calculation method and conditions for insurance payouts at the following link: https://uniqa.ua/storage/insurance-products/reports-files/1117_umovy_06.01.2025.pdf.
Insurance Product Programs
Clinic level:
Class 1 – High-cost branded and commercial medical institutions
Class 2 – Medium-cost commercial medical institutions
Class 3 – Low-cost commercial, departmental, and municipal medical institutions
|
Programs |
Basic |
Extended |
Optimal |
|
Sum insured per insured person, UAH |
|||
|
|
75 000 |
125 000 |
150 000 |
|
Insurance premium per insured person, UAH |
|||
|
Ages 0 – 4 |
2 700 |
10 900 |
19 200 |
|
Ages 5 -15 |
2 300 |
6 900 |
12 900 |
|
Ages 16–59 |
2 300 |
6 500 |
11 900 |
|
Level of clinics |
|
||
|
|
Level 1 - 3 |
||
|
Services and limits |
|
||
|
Emergency care, including diagnosis of emergency conditions and medications |
Yes, within the insured amount, deductible 0% |
Yes, within the insured amount, deductible 0% |
Yes, within the insured amount, deductible 0% |
|
Inpatient care (emergency), including hospitalization, diagnostics, and medications |
Yes, within the insured amount, deductible 0% |
Yes, within the insured amount, deductible 0% |
Yes, within the insured amount, deductible 0% |
|
Inpatient care (scheduled) |
Х |
Х |
Х |
|
Organization of online medical consultations through the "MEDIKIT" platform |
Yes, within the insured amount, deductible 0% |
Yes, within the insured amount, deductible 0% |
Yes, within the insured amount, deductible 0% |
|
Initial and follow-up consultations with doctors of various specialties in outpatient settings |
Х
|
Yes, within the insured amount, deductible 30% |
Yes, within the insured amount, deductible 30% |
|
Laboratory and instrumental diagnostics (including CT/MRI) in outpatient settings |
Х |
Х |
Yes, within the insured amount, deductible 30% |
|
Home visits by general practitioners/pediatricians, issuance and management of medical documentation (sick leave certificates) by medical institutions holding the appropriate license |
Х |
Х |
Yes, within the insured amount, deductible 30% |
|
Medications for outpatient and polyclinic care |
Х |
Х |
Х |
X – option not covered
A complete description of the insurance product programs can be found in the General Terms and Conditions of the standard insurance product "My Health" with code 1117, available at https://uniqa.ua/storage/insurance-products/reports-files/1117_umovy_06.01.2025.pdf.
The following conditions are common to all the above-mentioned programs:
- Object of insurance;
- Insurance risks and limitations;
- Territory and duration of the insurance contract (including information on the procedure for its entry into force and the insurance period(s), if applicable);
- Possible consequences for the consumer in case of non-fulfillment of obligations defined by the insurance contract, including late notification of an insured event without valid reasons and late payment of the insurance premium or its subsequent installment;
- Information on the possibility of purchasing the insurance product separately if such a product is offered together with an accompanying and/or additional product, service, or work that is not insurance-related, as part of a single package or contract;
- Terms of receiving a discount on the insurance product and promotional offers from the insurer (if available), including their validity periods.
