1. Insurance Object

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

2. Insurance Risks and Coverage 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 any other 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,
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.
Coverage Limitations: The following are excluded from coverage:

Individuals aged 18 years or older at the start date of the policy;
Persons deemed legally incapable as per applicable legislation.

3. Minimum and Maximum Insurance Sum (Liability Limit)

The insurance sum is aggregate, determined by mutual agreement and chosen by the Policyholder from the following options:

UAH 25,000, 50,000, 100,000, 150,000, 200,000, or 250,000 per person

4. Minimum and Maximum Insurance Premium and/or Rate

The insurance rate ranges from 0.2745% to 2.4639% of the insurance sum for the Insured Person.

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

No deductible is provided under this insurance product.

6. Insurance Policy Coverage Area and 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 or located along the line of contact.
For worldwide coverage:

Areas of military conflict of any kind (excluding Ukraine as per item 1);
Occupied, annexed, or disputed territories, or territories not officially recognized by Ukraine;
Regions advised against travel by the Ministry of Foreign Affairs of Ukraine;
Russian Federation and Republic of Belarus.
Insurance in conflict zones in Ukraine:
Coverage applies only to incidents unrelated to war or military conflict and within the exclusions of this policy.

Policy Activation:
The policy comes into force on the date specified in the agreement, but not earlier than the day after the insurance premium (or its first installment) is credited to the Insurer's account.

Policy Term:
14 days to 1 calendar year.

7. Consequences of Non-Compliance by the Consumer

Failure to comply with policy obligations may result in denial of insurance benefits. Non-payment of premiums within the agreed terms renders the contract void.

8. Availability of Separate Purchase

This insurance product is standalone and not bundled with other non-insurance goods or services.

9. Discounts and Promotions

Discounts are available via promo codes on the Insurer’s website. Promo codes may be obtained through various communication channels, including the website, intermediaries, partners, or social media.
No promotional offers are included.

10. List of information essential for assessing insurance risk and/or other circumstances considered when determining the amount of the insurance premium

The information essential for the insurer’s decision on the insurance premium amount under the Agreement and the assessment of insurance risk includes details on:

• the Insured Person’s age,
• the Insured Person’s occupation,
• participation in sports,
• changes in the Insured Person’s health condition,
• the Policyholder’s insurable interest in the Insured Object.

Disclaimer: Before signing the insurance contract, it is necessary to review the information on exclusions from insurance cases, grounds for refusal of insurance payments, liability limits of the insurer for a specific insured object, insurance risk, and/or insurance case, as well as the calculation procedure and conditions for making insurance payments at the following link:https://uniqa.ua/storage/insurance-products/reports-files/1225_umovy_13.11.2024.pdf