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 insurance contract, 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 ingestion of a foreign body 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.
Coverage limitations:
The following are excluded from coverage:
- individuals aged 18 years or older at the start date of the insurance contract;
- persons deemed legally incapable as per applicable legislation.
3. Minimum and Maximum Insurance Sum (Liability Limit)
The sum insured is aggregate, set by the insurance contract of the Parties and chosen by the Policyholder from the 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
Insurance territory: Ukraine or Worldwide.
The agreement does not apply:
- If the territory of insurance is Ukraine:
- temporarily occupied territories of Ukraine;
- on the territory of Ukraine, where the state authorities temporarily do not exercise their powers, settlements and territories located on the demarcation line.
2. For worldwide coverage:
- areas of military conflict of any kind (excluding Ukraine as per item 1);
- to temporarily occupied, annexed or disputed territories, territories of states not recognised by Ukraine in accordance with the established procedure;
- to the territories in respect of which the Ministry of Foreign Affairs of Ukraine has recommended to refrain from travelling until the Insured person crosses the border;
- on the territory of the Russian Federation and the Republic of Belarus.
Insurance cover on the territory of Ukraine (except for the territory specified in clause 1, paragraph 2 of this section) located in the zone of military operations of any nature, regardless of official recognition of war by law, shall be provided for Insured Events that have no causal connection with war or military conflicts and any means, methods of its/ their conduct, subject to exclusions and limitations of insurance.
Policy Term:from 14 days to 1 calendar year.
The insurance contact shall enter into force on the date specified in the insurance contact as the date of commencement of the term of the insurance contact, but not earlier than the date following the date of crediting the insurance premium (first instalment of the premium if the total insurance premium is paid in instalments) to the Insurer's current account in the amount and within the term specified in the insurance contact.
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
The discount may be provided by entering a promotional code when purchasing an insurance product on the Insurer's official website at www.uniqa.ua.
The promotional code may be received by the consumer through various communication channels, including but not limited to the official website, insurance intermediaries, partners, social networks of the Insurer, etc.
Promotional offers are not provided by the insurance product.
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 insurance contract 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
