My health premium

1. Insurance Object

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;
Other health disorders and/or cases provided for in the Program.
Insurance Limitations:
The following individuals are not eligible for insurance:

Persons aged 0 to 6 years and over 59 years;
Persons with Group I or II disabilities and persons with disabilities from childhood;
Persons officially recognized as legally incompetent;
HIV-positive individuals or those with AIDS;
Persons who, at the time of the insurance agreement, are undergoing outpatient or inpatient treatment (hospitalized);
Persons suffering from severe decompensated forms of diseases of the cardiovascular, endocrine, excretory, nervous, musculoskeletal, and other systems; or with a history of malignant neoplasms;
Persons with mental and behavioral disorders, tuberculosis, venereal diseases, alcoholism, drug addiction, or substance abuse.
A child can be insured only together with an adult.

3. Minimum and Maximum Insurance Sum (Coverage Limit)

The insurance sum is aggregate and determined by the Policyholder’s choice as follows:

UAH 75,000 under the Standard Program for one Insured Person;
UAH 125,000 under the Classic Program for one Insured Person;
UAH 175,000 under the Prestige Program for one Insured Person.

4. Minimum and Maximum Insurance Premium and/or Rate

Insurance Premium:

UAH 15,600 under the Standard Program for one Insured Person;
UAH 21,000 under the Classic Program for one Insured Person;
UAH 27,600 under the Prestige Program for one Insured Person.

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

The product includes an unconditional deductible for consultations with leading specialists in private clinics, as specified in the Program.

No deductibles are provided for other options within the Programs.

6. Territory and Duration of the Insurance Agreement (including entry into force and periods of coverage)

Insurance Territory: Ukraine, except for:

Temporarily occupied territories of Ukraine as defined by Ukrainian legislation, territories where state authorities temporarily do not exercise their powers, and settlements located along the contact line.
Coverage within Ukraine (excluding the aforementioned areas) does not apply to war zones or any form of military actions, regardless of the formal recognition of war. Insurance covers cases unrelated to war or military conflicts, taking into account exclusions specified in the agreement.
Duration of the Insurance Agreement: 1 calendar year.

The agreement becomes effective, and coverage starts from the date specified in the Agreement as the start date, but not earlier than the day following the payment of the premium (or the first installment) to the Insurer's account, in the amount and within the period specified in the Agreement, considering the 7-day waiting period.

7. Exclusions and Grounds for Denial of Insurance Payments

Exclusions:
Insurance does not cover illnesses/injuries/conditions caused by:

Alcohol, drug, or toxic substance use, attempted suicide, or self-inflicted injuries;
Professional sports or extreme sports/activities (e.g., mountaineering, spelunking, hang gliding);
War (declared or undeclared), civil unrest, strikes, demonstrations, or acts of terrorism;
Use of weapons, mines, bombs, or other war means, including unexploded ordnance;
Natural disasters or man-made catastrophes;
Particularly dangerous infections as defined by the Ministry of Health of Ukraine;
Incidents occurring outside the insured territory or period, or as excluded by the Program.
Grounds for Denial of Payment:

Intentional actions by the Policyholder or Insured Person leading to an insurance event;
Provision of false information by the Policyholder or Insured Person;
Failure to notify the Insurer of an insurance event in a timely manner;
Violation of medical treatment guidelines or insurance terms.

8. Insurer’s Liability Limits

The Insurer’s liability is capped by the aggregate insurance sum chosen by the Client, as specified in the Program. Each payout reduces the available liability limit.

9. Procedure and Conditions for Insurance Payments

The payout is based on the pre-agreed and guaranteed costs of medical care, medicines, and services, not exceeding the insurance sum or limits specified in the Program.

10. Consumer Consequences for Non-Compliance

Non-compliance with contractual obligations may result in denial of payment or cancellation of the agreement due to non-payment of premiums.

11. Availability of Standalone Purchase

The insurance product is not an add-on to other goods or services.

12. Discounts and Promotions

No discounts or promotions are provided.

13. Insurance Program Details

Clinic Classes:

• A+ – Premium brand-name medical institutions
• A – Private medical institutions (high price category)
• B+ – Private medical institutions (mid-price category)
• B – Private medical institutions (low price category)
• C – Departmental/state medical institutions

A full description of the insurance product programs can be found in Appendix No. 1 to the General Terms and Conditions of the standard insurance product "My Health Premium" at the following link: https://uniqa.ua/storage/insurance-products/reports-files/1107_umovy_06.01.2025.pdf.

The following conditions are common to all the Programs mentioned above:

• Insurance risks and limitations;
• Territory and duration of the insurance agreement [including information on the entry into force and period(s) of insurance (if applicable)];
• Exclusions from insurance events and grounds for denial of insurance payments.